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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 | $14,797 | $64,324-77.0% | $118,946-87.6% | $79,852-81.5% |
| Participation rate | 32.8% | 64.9%-32.1pp | 75.4%-42.6pp | 69.6%-36.9pp |
| Annual return | 44.17% | 86.45%-42.3pp | 35.89%+8.3pp | 31.72%+12.5pp |
| Employer contribution / active EE | $1,051 | $1,836-42.8% | $3,263-67.8% | $2,471-57.5% |
| Participant deferral / active EE | $1,734 | $2,824-38.6% | $4,266-59.4% | $3,740-53.6% |
| Admin fee / account holder | $948 | $4,040-76.5% | $6,581-85.6% | $5,306-82.1% |