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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 | $24,050 | $98,776-75.7% | $149,745-83.9% | $79,856-69.9% |
| Participation rate | 36.0% | 75.8%-39.8pp | 82.5%-46.5pp | 69.6%-33.6pp |
| Annual return | 29.89% | 27.38%+2.5pp | 276.72%-246.8pp | 31.71%-1.8pp |
| Employer contribution / active EE | $1,403 | $3,217-56.4% | $4,646-69.8% | $2,471-43.2% |
| Participant deferral / active EE | $3,181 | $5,681-44.0% | $6,843-53.5% | $3,741-15.0% |
| Admin fee / account holder | $685 | $6,053-88.7% | $9,312-92.6% | $5,306-87.1% |