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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 | $13,623 | $65,027-79.1% | $90,970-85.0% | $79,852-82.9% |
| Participation rate | 47.8% | 61.6%-13.8pp | 69.0%-21.3pp | 69.6%-21.9pp |
| Annual return | 36.76% | 30.45%+6.3pp | 134.58%-97.8pp | 31.72%+5.0pp |
| Employer contribution / active EE | $1,358 | $1,247+8.9% | $2,122-36.0% | $2,471-45.0% |
| Participant deferral / active EE | $2,418 | $2,512-3.8% | $3,373-28.3% | $3,740-35.4% |
| Admin fee / account holder | $304 | $4,535-93.3% | $5,960-94.9% | $5,306-94.3% |