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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 | $21,324 | $72,492-70.6% | $87,104-75.5% | $72,975-70.8% |
| Participation rate | 44.6% | 72.8%-28.2pp | 76.9%-32.2pp | 69.5%-24.8pp |
| Annual return | 158.73% | 24.46%+134.3pp | 28.19%+130.5pp | 81.01%+77.7pp |
| Employer contribution / active EE | $1,317 | $1,894-30.4% | $2,521-47.7% | $2,440-46.0% |
| Participant deferral / active EE | $2,275 | $3,270-30.4% | $4,048-43.8% | $3,608-36.9% |
| Admin fee / account holder | $5,612 | $5,055+11.0% | $7,491-25.1% | $5,124+9.5% |