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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 | $10,906 | $72,273-84.9% | $101,275-89.2% | $79,856-86.3% |
| Participation rate | 51.8% | 68.5%-16.7pp | 75.8%-24.0pp | 69.6%-17.9pp |
| Annual return | 67.74% | 22.30%+45.4pp | 46.48%+21.3pp | 31.71%+36.0pp |
| Employer contribution / active EE | $1,667 | $2,691-38.1% | $3,660-54.5% | $2,471-32.5% |
| Participant deferral / active EE | $1,667 | $3,282-49.2% | $4,371-61.9% | $3,741-55.4% |
| Admin fee / account holder | $527 | $4,401-88.0% | $5,948-91.1% | $5,306-90.1% |