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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 | $13,079 | $65,027-79.9% | $90,970-85.6% | $79,852-83.6% |
| Participation rate | 51.1% | 61.6%-10.5pp | 69.0%-17.9pp | 69.6%-18.5pp |
| Annual return | 43.79% | 30.45%+13.3pp | 134.58%-90.8pp | 31.72%+12.1pp |
| Employer contribution / active EE | $945 | $1,247-24.2% | $2,122-55.5% | $2,471-61.7% |
| Participant deferral / active EE | $3,128 | $2,512+24.5% | $3,373-7.3% | $3,740-16.4% |
| Admin fee / account holder | $1,255 | $4,535-72.3% | $5,960-78.9% | $5,306-76.4% |