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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 | $12,664 | $82,882-84.7% | $127,803-90.1% | $72,975-82.6% |
| Participation rate | 51.9% | 71.5%-19.6pp | 79.0%-27.1pp | 69.5%-17.6pp |
| Annual return | 69.49% | 32.20%+37.3pp | 26.14%+43.4pp | 81.01%-11.5pp |
| Employer contribution / active EE | $1,784 | $3,346-46.7% | $4,576-61.0% | $2,440-26.9% |
| Participant deferral / active EE | $2,439 | $4,791-49.1% | $6,023-59.5% | $3,608-32.4% |
| Admin fee / account holder | $1,123 | $6,487-82.7% | $9,399-88.1% | $5,124-78.1% |