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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 | $20,353 | $102,385-80.1% | $147,080-86.2% | $80,935-74.9% |
| Participation rate | 65.3% | 75.9%-10.6pp | 82.2%-16.9pp | 67.7%-2.4pp |
| Annual return | 11.96% | 135.09%-123.1pp | 420.17%-408.2pp | 35.66%-23.7pp |
| Employer contribution / active EE | $2,389 | $3,717-35.7% | $4,933-51.6% | $2,757-13.3% |
| Participant deferral / active EE | $4,031 | $6,651-39.4% | $8,066-50.0% | $4,299-6.2% |
| Admin fee / account holder | $10,984 | $7,951+38.1% | $12,989-15.4% | $6,924+58.6% |