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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 | $21,721 | $93,589-76.8% | $135,942-84.0% | $75,181-71.1% |
| Participation rate | 32.0% | 75.2%-43.2pp | 81.9%-49.9pp | 67.2%-35.2pp |
| Annual return | 35.31% | 30.90%+4.4pp | 68.28%-33.0pp | 160.69%-125.4pp |
| Employer contribution / active EE | $1,465 | $3,537-58.6% | $4,858-69.8% | $2,671-45.2% |
| Participant deferral / active EE | $2,855 | $6,405-55.4% | $7,759-63.2% | $4,126-30.8% |
| Admin fee / account holder | $9,669 | $6,977+38.6% | $10,764-10.2% | $5,650+71.1% |