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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 | $28,000 | $76,383-63.3% | $121,663-77.0% | $64,340-56.5% |
| Participation rate | 61.7% | 60.4%+1.3pp | 74.5%-12.8pp | 55.2%+6.5pp |
| Annual return | 33.85% | 16.98%+16.9pp | 147.54%-113.7pp | 24.14%+9.7pp |
| Employer contribution / active EE | $1,595 | $1,943-17.9% | $3,020-47.2% | $1,862-14.3% |
| Participant deferral / active EE | $3,370 | $3,149+7.0% | $4,887-31.0% | $2,980+13.1% |
| Admin fee / account holder | $1,636 | $4,142-60.5% | $14,289-88.6% | $3,703-55.8% |