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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 | $21,746 | $99,994-78.3% | $146,643-85.2% | $85,847-74.7% |
| Participation rate | 47.7% | 73.1%-25.3pp | 80.1%-32.3pp | 69.3%-21.6pp |
| Annual return | 32.59% | 18.93%+13.7pp | 22.75%+9.8pp | 318.61%-286.0pp |
| Employer contribution / active EE | $1,375 | $2,559-46.3% | $4,137-66.8% | $2,565-46.4% |
| Participant deferral / active EE | $1,889 | $4,006-52.8% | $5,506-65.7% | $3,952-52.2% |
| Admin fee / account holder | $3,402 | $7,703-55.8% | $10,280-66.9% | $6,261-45.7% |