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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 | $30,203 | $80,705-62.6% | $115,768-73.9% | $67,986-55.6% |
| Participation rate | 47.7% | 63.0%-15.3pp | 74.4%-26.7pp | 57.2%-9.6pp |
| Annual return | 41.98% | 18.49%+23.5pp | 100.46%-58.5pp | 31.67%+10.3pp |
| Employer contribution / active EE | $1,159 | $2,046-43.4% | $2,940-60.6% | $2,019-42.6% |
| Participant deferral / active EE | $3,513 | $3,559-1.3% | $4,917-28.6% | $3,358+4.6% |
| Admin fee / account holder | $4,143 | $4,135+0.2% | $12,439-66.7% | $3,203+29.4% |