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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 | $28,221 | $101,798-72.3% | $165,071-82.9% | $80,935-65.1% |
| Participation rate | 33.3% | 71.8%-38.5pp | 78.6%-45.3pp | 67.7%-34.3pp |
| Annual return | 21.48% | 16.73%+4.7pp | 70.17%-48.7pp | 35.66%-14.2pp |
| Employer contribution / active EE | $1,122 | $2,954-62.0% | $4,347-74.2% | $2,757-59.3% |
| Participant deferral / active EE | $2,019 | $4,476-54.9% | $6,035-66.5% | $4,299-53.0% |
| Admin fee / account holder | $411 | $8,221-95.0% | $12,695-96.8% | $6,924-94.1% |