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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 | $17,172 | $63,861-73.1% | $104,625-83.6% | $79,852-78.5% |
| Participation rate | 41.3% | 64.9%-23.6pp | 74.1%-32.7pp | 69.6%-28.3pp |
| Annual return | 28.93% | 21.30%+7.6pp | 340.60%-311.7pp | 31.72%-2.8pp |
| Employer contribution / active EE | $1,210 | $1,588-23.8% | $2,681-54.9% | $2,471-51.1% |
| Participant deferral / active EE | $2,268 | $2,693-15.8% | $3,738-39.3% | $3,740-39.4% |
| Admin fee / account holder | $1,664 | $4,185-60.2% | $6,465-74.3% | $5,306-68.6% |