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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 | $21,067 | $98,776-78.7% | $149,745-85.9% | $79,856-73.6% |
| Participation rate | 52.6% | 75.8%-23.2pp | 82.5%-29.9pp | 69.6%-17.0pp |
| Annual return | 35.13% | 27.38%+7.8pp | 276.72%-241.6pp | 31.71%+3.4pp |
| Employer contribution / active EE | $1,739 | $3,217-45.9% | $4,646-62.6% | $2,471-29.6% |
| Participant deferral / active EE | $5,182 | $5,681-8.8% | $6,843-24.3% | $3,741+38.5% |
| Admin fee / account holder | $3,084 | $6,053-49.0% | $9,312-66.9% | $5,306-41.9% |