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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 | $23,248 | $98,760-76.5% | $149,715-84.5% | $79,858-70.9% |
| Participation rate | 54.8% | 75.8%-20.9pp | 82.5%-27.6pp | 69.6%-14.8pp |
| Annual return | 23.34% | 27.43%-4.1pp | 276.66%-253.3pp | 31.72%-8.4pp |
| Employer contribution / active EE | $1,682 | $3,217-47.7% | $4,645-63.8% | $2,471-31.9% |
| Participant deferral / active EE | $4,288 | $5,681-24.5% | $6,842-37.3% | $3,740+14.6% |
| Admin fee / account holder | $1,294 | $6,053-78.6% | $9,310-86.1% | $5,306-75.6% |