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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 | $16,008 | $109,359-85.4% | $162,177-90.1% | $72,975-78.1% |
| Participation rate | 59.5% | 84.3%-24.8pp | 87.6%-28.1pp | 69.5%-10.0pp |
| Annual return | 65.70% | 25.46%+40.2pp | 115.60%-49.9pp | 81.01%-15.3pp |
| Employer contribution / active EE | $1,511 | $3,907-61.3% | $5,613-73.1% | $2,440-38.1% |
| Participant deferral / active EE | $4,069 | $5,481-25.8% | $7,297-44.2% | $3,608+12.8% |
| Admin fee / account holder | $1,330 | $7,972-83.3% | $10,843-87.7% | $5,124-74.0% |