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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 | $25,099 | $108,825-76.9% | $156,181-83.9% | $82,448-69.6% |
| Participation rate | 27.4% | 72.4%-44.9pp | 78.8%-51.4pp | 68.1%-40.6pp |
| Annual return | 82.08% | 20.59%+61.5pp | 64.87%+17.2pp | 41.64%+40.4pp |
| Employer contribution / active EE | $1,349 | $2,870-53.0% | $4,294-68.6% | $2,551-47.1% |
| Participant deferral / active EE | $2,715 | $4,577-40.7% | $6,132-55.7% | $4,139-34.4% |
| Admin fee / account holder | $4,427 | $9,341-52.6% | $14,586-69.7% | $7,234-38.8% |