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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 | $10,691 | $89,367-88.0% | $141,191-92.4% | $72,975-85.3% |
| Participation rate | 58.3% | 75.1%-16.8pp | 82.5%-24.1pp | 69.5%-11.2pp |
| Annual return | 30.97% | 111.87%-80.9pp | 71.41%-40.4pp | 81.01%-50.0pp |
| Employer contribution / active EE | $2,116 | $3,115-32.1% | $4,736-55.3% | $2,440-13.3% |
| Participant deferral / active EE | $5,238 | $5,419-3.3% | $6,710-21.9% | $3,608+45.2% |
| Admin fee / account holder | $10,274 | $5,957+72.5% | $10,264+0.1% | $5,124+100.5% |