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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 | $20,586 | $74,661-72.4% | $160,784-87.2% | $67,986-69.7% |
| Participation rate | 52.3% | 57.1%-4.8pp | 77.0%-24.6pp | 57.2%-4.9pp |
| Annual return | 16.47% | 28.83%-12.4pp | 1803.92%-1787.5pp | 31.67%-15.2pp |
| Employer contribution / active EE | $1,411 | $1,829-22.8% | $3,733-62.2% | $2,019-30.1% |
| Participant deferral / active EE | $2,315 | $3,681-37.1% | $6,293-63.2% | $3,358-31.1% |
| Admin fee / account holder | $6,189 | $3,959+56.3% | $9,717-36.3% | $3,203+93.2% |