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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 | $14,906 | $75,183-80.2% | $123,894-88.0% | $55,167-73.0% |
| Participation rate | 58.0% | 72.8%-14.8pp | 81.4%-23.4pp | 69.0%-11.0pp |
| Annual return | 57.55% | 19.01%+38.5pp | 47.52%+10.0pp | 169.23%-111.7pp |
| Employer contribution / active EE | $1,228 | $2,823-56.5% | $4,617-73.4% | $1,963-37.5% |
| Participant deferral / active EE | $2,671 | $5,084-47.5% | $5,984-55.4% | $3,054-12.6% |
| Admin fee / account holder | $650 | $663-1.9% | $8,357-92.2% | $504+29.0% |