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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 | $25,056 | $68,607-63.5% | $147,027-83.0% | $64,340-61.1% |
| Participation rate | 29.1% | 50.4%-21.3pp | 73.7%-44.6pp | 55.2%-26.1pp |
| Annual return | 22.31% | 13.75%+8.6pp | 20.23%+2.1pp | 24.14%-1.8pp |
| Employer contribution / active EE | $1,135 | $1,554-27.0% | $3,626-68.7% | $1,862-39.0% |
| Participant deferral / active EE | $1,685 | $2,402-29.9% | $4,933-65.8% | $2,980-43.5% |
| Admin fee / account holder | $6,520 | $3,287+98.3% | $12,223-46.7% | $3,703+76.1% |