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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 | $13,540 | $79,449-83.0% | $189,597-92.9% | $85,851-84.2% |
| Participation rate | 52.7% | 66.0%-13.3pp | 78.4%-25.7pp | 69.3%-16.6pp |
| Annual return | 73.92% | 18.45%+55.5pp | 64.20%+9.7pp | 318.63%-244.7pp |
| Employer contribution / active EE | $1,422 | $2,081-31.7% | $4,412-67.8% | $2,565-44.6% |
| Participant deferral / active EE | $2,266 | $4,051-44.1% | $6,174-63.3% | $3,952-42.7% |
| Admin fee / account holder | $3,724 | $5,377-30.7% | $9,807-62.0% | $6,261-40.5% |