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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 | $32,283 | $83,090-61.1% | $130,062-75.2% | $71,529-54.9% |
| Participation rate | 47.1% | 74.1%-27.0pp | 78.5%-31.4pp | 67.9%-20.8pp |
| Annual return | 19.04% | 20.61%-1.6pp | -137.37%+156.4pp | 28.97%-9.9pp |
| Employer contribution / active EE | $1,853 | $2,624-29.4% | $4,322-57.1% | $2,590-28.5% |
| Participant deferral / active EE | $4,091 | $4,436-7.8% | $5,821-29.7% | $4,291-4.7% |
| Admin fee / account holder | $3,550 | $1,727+105.6% | $10,601-66.5% | $1,588+123.5% |