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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 | $19,988 | $93,345-78.6% | $119,126-83.2% | $87,485-77.2% |
| Participation rate | 57.1% | 68.7%-11.6pp | 75.8%-18.6pp | 68.9%-11.8pp |
| Annual return | 26.86% | 19.08%+7.8pp | 282.11%-255.2pp | 26.06%+0.8pp |
| Employer contribution / active EE | $1,405 | $3,172-55.7% | $4,034-65.2% | $2,596-45.9% |
| Participant deferral / active EE | $1,932 | $4,099-52.9% | $5,318-63.7% | $4,274-54.8% |
| Admin fee / account holder | $1,097 | $8,039-86.3% | $10,693-89.7% | $7,775-85.9% |