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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 | $14,209 | $106,749-86.7% | $145,433-90.2% | $82,448-82.8% |
| Participation rate | 50.5% | 75.6%-25.1pp | 82.1%-31.6pp | 68.1%-17.6pp |
| Annual return | 45.05% | 27.59%+17.5pp | 66.58%-21.5pp | 41.64%+3.4pp |
| Employer contribution / active EE | $1,952 | $3,444-43.3% | $4,554-57.1% | $2,551-23.5% |
| Participant deferral / active EE | $3,522 | $6,519-46.0% | $7,897-55.4% | $4,139-14.9% |
| Admin fee / account holder | $1,344 | $8,390-84.0% | $13,129-89.8% | $7,234-81.4% |