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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 | $28,481 | $101,950-72.1% | $125,529-77.3% | $86,983-67.3% |
| Participation rate | 46.2% | 70.2%-24.0pp | 74.7%-28.6pp | 69.5%-23.4pp |
| Annual return | 16.02% | 18.29%-2.3pp | 202.56%-186.5pp | 25.83%-9.8pp |
| Employer contribution / active EE | $2,083 | $2,358-11.7% | $3,058-31.9% | $2,584-19.4% |
| Participant deferral / active EE | $4,042 | $3,862+4.6% | $4,813-16.0% | $4,194-3.6% |
| Admin fee / account holder | $7,407 | $12,791-42.1% | $16,298-54.6% | $7,856-5.7% |