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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 | $27,898 | $96,731-71.2% | $123,973-77.5% | $86,983-67.9% |
| Participation rate | 53.8% | 70.0%-16.2pp | 76.7%-22.8pp | 69.5%-15.7pp |
| Annual return | 20.01% | 17.33%+2.7pp | 388.13%-368.1pp | 25.83%-5.8pp |
| Employer contribution / active EE | $1,465 | $3,297-55.6% | $4,126-64.5% | $2,584-43.3% |
| Participant deferral / active EE | $2,882 | $4,152-30.6% | $5,247-45.1% | $4,194-31.3% |
| Admin fee / account holder | $2,198 | $8,722-74.8% | $11,799-81.4% | $7,856-72.0% |