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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 | $18,341 | $98,766-81.4% | $149,730-87.8% | $79,852-77.0% |
| Participation rate | 54.1% | 75.8%-21.7pp | 82.5%-28.4pp | 69.6%-15.6pp |
| Annual return | 34.73% | 27.43%+7.3pp | 276.70%-242.0pp | 31.72%+3.0pp |
| Employer contribution / active EE | $1,999 | $3,217-37.9% | $4,645-57.0% | $2,471-19.1% |
| Participant deferral / active EE | $3,099 | $5,681-45.5% | $6,843-54.7% | $3,740-17.2% |
| Admin fee / account holder | $2,019 | $6,052-66.6% | $9,310-78.3% | $5,306-62.0% |