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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 | $15,953 | $58,726-72.8% | $92,240-82.7% | $62,293-74.4% |
| Participation rate | 19.8% | 68.3%-48.6pp | 76.5%-56.7pp | 69.5%-49.8pp |
| Annual return | 38.85% | 43.62%-4.8pp | 176.29%-137.4pp | 28.90%+9.9pp |
| Employer contribution / active EE | $1,091 | $2,392-54.4% | $3,680-70.4% | $2,042-46.6% |
| Participant deferral / active EE | $2,001 | $2,766-27.7% | $3,897-48.7% | $3,169-36.9% |
| Admin fee / account holder | $425 | $556-23.5% | $5,194-91.8% | $479-11.2% |