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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 | $28,096 | $83,369-66.3% | $105,223-73.3% | $67,986-58.7% |
| Participation rate | 57.0% | 56.3%+0.7pp | 75.0%-18.0pp | 57.2%-0.2pp |
| Annual return | 16.40% | 24.64%-8.2pp | 180.65%-164.3pp | 31.67%-15.3pp |
| Employer contribution / active EE | $694 | $2,541-72.7% | $3,689-81.2% | $2,019-65.6% |
| Participant deferral / active EE | $2,134 | $3,295-35.3% | $5,072-57.9% | $3,358-36.5% |
| Admin fee / account holder | $3,146 | $4,073-22.8% | $8,859-64.5% | $3,203-1.8% |