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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 | $20,660 | $78,529-73.7% | $105,591-80.4% | $74,400-72.2% |
| Participation rate | 51.8% | 72.8%-21.0pp | 75.3%-23.5pp | 67.2%-15.4pp |
| Annual return | 14.78% | 15.94%-1.2pp | 116.43%-101.6pp | 1367.51%-1352.7pp |
| Employer contribution / active EE | $1,132 | $2,522-55.1% | $3,166-64.3% | $2,624-56.9% |
| Participant deferral / active EE | $3,767 | $4,321-12.8% | $5,008-24.8% | $4,348-13.4% |
| Admin fee / account holder | $4,098 | $2,216+85.0% | $11,024-62.8% | $1,944+110.9% |