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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 | $13,447 | $73,978-81.8% | $96,515-86.1% | $75,173-82.1% |
| Participation rate | 47.6% | 66.4%-18.8pp | 74.3%-26.7pp | 67.2%-19.6pp |
| Annual return | 58.84% | 26.72%+32.1pp | 35.73%+23.1pp | 160.72%-101.9pp |
| Employer contribution / active EE | $1,540 | $2,931-47.5% | $3,740-58.8% | $2,671-42.3% |
| Participant deferral / active EE | $2,756 | $3,660-24.7% | $4,880-43.5% | $4,126-33.2% |
| Admin fee / account holder | $1,676 | $5,219-67.9% | $6,735-75.1% | $5,651-70.3% |