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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 | $31,999 | $79,223-59.6% | $102,460-68.8% | $74,478-57.0% |
| Participation rate | 60.2% | 74.8%-14.6pp | 76.5%-16.3pp | 67.2%-7.0pp |
| Annual return | 13.47% | 54.98%-41.5pp | 29.47%-16.0pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $1,669 | $2,363-29.4% | $3,025-44.8% | $2,626-36.5% |
| Participant deferral / active EE | $3,061 | $4,417-30.7% | $5,056-39.5% | $4,350-29.6% |
| Admin fee / account holder | $2,762 | $2,003+37.9% | $9,460-70.8% | $1,946+41.9% |