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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 | $10,500 | $53,596-80.4% | $90,657-88.4% | $64,173-83.6% |
| Participation rate | 51.3% | 64.5%-13.2pp | 74.0%-22.7pp | 69.6%-18.3pp |
| Annual return | 98.98% | 4.41%+94.6pp | 1.89%+97.1pp | 7.63%+91.3pp |
| Employer contribution / active EE | $1,189 | $1,503-20.9% | $2,532-53.0% | $2,381-50.0% |
| Participant deferral / active EE | $1,501 | $2,459-38.9% | $3,424-56.2% | $3,470-56.7% |
| Admin fee / account holder | $6,534 | $3,868+68.9% | $4,994+30.8% | $4,887+33.7% |