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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 | $18,647 | $98,776-81.1% | $149,745-87.5% | $79,856-76.6% |
| Participation rate | 63.2% | 75.8%-12.6pp | 82.5%-19.2pp | 69.6%-6.4pp |
| Annual return | 17.79% | 27.38%-9.6pp | 276.72%-258.9pp | 31.71%-13.9pp |
| Employer contribution / active EE | $1,307 | $3,217-59.4% | $4,646-71.9% | $2,471-47.1% |
| Participant deferral / active EE | $2,647 | $5,681-53.4% | $6,843-61.3% | $3,741-29.2% |
| Admin fee / account holder | $2,437 | $6,053-59.7% | $9,312-73.8% | $5,306-54.1% |