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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 | $20,056 | $80,763-75.2% | $102,412-80.4% | $74,459-73.1% |
| Participation rate | 38.2% | 65.7%-27.5pp | 74.5%-36.3pp | 67.2%-29.0pp |
| Annual return | 14.20% | 27.57%-13.4pp | 24.94%-10.7pp | 1369.70%-1355.5pp |
| Employer contribution / active EE | $1,285 | $3,160-59.3% | $3,870-66.8% | $2,626-51.1% |
| Participant deferral / active EE | $2,017 | $3,862-47.8% | $5,060-60.1% | $4,350-53.6% |
| Admin fee / account holder | $3,948 | $2,371+66.5% | $8,388-52.9% | $1,945+103.0% |