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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 | $43,510 | $167,415-74.0% | $140,514-69.0% | $198,609-78.1% |
| Participation rate | 64.3% | 80.9%-16.6pp | 77.8%-13.5pp | 82.4%-18.1pp |
| Annual return | 23.92% | 13.85%+10.1pp | 14.36%+9.6pp | 202.70%-178.8pp |
| Employer contribution / active EE | $1,692 | $4,088-58.6% | $3,378-49.9% | $5,055-66.5% |
| Participant deferral / active EE | $4,016 | $5,579-28.0% | $4,919-18.4% | $6,977-42.4% |
| Admin fee / account holder | $441 | $16,730-97.4% | $13,697-96.8% | $19,030-97.7% |