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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 | $18,478 | $78,705-76.5% | $117,860-84.3% | $70,124-73.6% |
| Participation rate | 43.8% | 73.2%-29.4pp | 79.7%-35.9pp | 69.5%-25.8pp |
| Annual return | 31.37% | 23.30%+8.1pp | 335.10%-303.7pp | 73.14%-41.8pp |
| Employer contribution / active EE | $1,326 | $2,223-40.4% | $3,786-65.0% | $2,342-43.4% |
| Participant deferral / active EE | $2,812 | $3,297-14.7% | $4,482-37.3% | $3,332-15.6% |
| Admin fee / account holder | $7,396 | $5,065+46.0% | $8,021-7.8% | $4,645+59.2% |