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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 | $12,153 | $63,861-81.0% | $104,639-88.4% | $79,856-84.8% |
| Participation rate | 53.9% | 64.9%-11.0pp | 74.1%-20.1pp | 69.6%-15.7pp |
| Annual return | 36.30% | 21.30%+15.0pp | 340.67%-304.4pp | 31.71%+4.6pp |
| Employer contribution / active EE | $1,398 | $1,588-12.0% | $2,682-47.9% | $2,471-43.4% |
| Participant deferral / active EE | $2,777 | $2,693+3.1% | $3,738-25.7% | $3,741-25.8% |
| Admin fee / account holder | $2,675 | $4,185-36.1% | $6,465-58.6% | $5,306-49.6% |