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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 | $26,149 | $91,019-71.3% | $392,568-93.3% | $72,976-64.2% |
| Participation rate | 40.7% | 74.4%-33.7pp | 78.1%-37.4pp | 69.5%-28.8pp |
| Annual return | 24.34% | 20.00%+4.3pp | 24.42%-0.1pp | 81.02%-56.7pp |
| Employer contribution / active EE | $1,536 | $2,751-44.2% | $3,783-59.4% | $2,440-37.1% |
| Participant deferral / active EE | $2,517 | $4,570-44.9% | $5,985-58.0% | $3,608-30.2% |
| Admin fee / account holder | $2,227 | $4,895-54.5% | $6,260-64.4% | $5,124-56.5% |