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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 | $21,454 | $123,793-82.7% | $177,848-87.9% | $79,856-73.1% |
| Participation rate | 40.0% | 84.7%-44.7pp | 87.7%-47.7pp | 69.6%-29.6pp |
| Annual return | 35.85% | 22.82%+13.0pp | 48.33%-12.5pp | 31.71%+4.1pp |
| Employer contribution / active EE | $1,914 | $4,095-53.3% | $5,919-67.7% | $2,471-22.6% |
| Participant deferral / active EE | $3,686 | $5,956-38.1% | $7,714-52.2% | $3,741-1.5% |
| Admin fee / account holder | $952 | $7,243-86.9% | $12,431-92.3% | $5,306-82.1% |