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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,896 | $91,424-83.7% | $135,942-89.0% | $71,495-79.2% |
| Participation rate | 52.5% | 75.7%-23.1pp | 81.9%-29.4pp | 67.9%-15.4pp |
| Annual return | 71.11% | 29.90%+41.2pp | 68.28%+2.8pp | 28.85%+42.3pp |
| Employer contribution / active EE | $2,027 | $3,704-45.3% | $4,858-58.3% | $2,589-21.7% |
| Participant deferral / active EE | $3,876 | $7,092-45.4% | $7,759-50.0% | $4,291-9.7% |
| Admin fee / account holder | $1,959 | $1,266+54.8% | $10,764-81.8% | $1,588+23.4% |