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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 | $25,998 | $96,731-73.1% | $123,973-79.0% | $86,983-70.1% |
| Participation rate | 52.8% | 70.0%-17.2pp | 76.7%-23.9pp | 69.5%-16.8pp |
| Annual return | 27.55% | 17.33%+10.2pp | 388.13%-360.6pp | 25.83%+1.7pp |
| Employer contribution / active EE | $1,576 | $3,297-52.2% | $4,126-61.8% | $2,584-39.0% |
| Participant deferral / active EE | $3,095 | $4,152-25.5% | $5,247-41.0% | $4,194-26.2% |
| Admin fee / account holder | $1,870 | $8,722-78.6% | $11,799-84.2% | $7,856-76.2% |