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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 | $15,306 | $77,816-80.3% | $123,552-87.6% | $64,173-76.1% |
| Participation rate | 43.1% | 74.7%-31.6pp | 82.3%-39.2pp | 69.6%-26.5pp |
| Annual return | 36.56% | 12.49%+24.1pp | 119.20%-82.6pp | 7.63%+28.9pp |
| Employer contribution / active EE | $2,006 | $3,014-33.5% | $4,628-56.7% | $2,381-15.8% |
| Participant deferral / active EE | $4,423 | $5,240-15.6% | $6,426-31.2% | $3,470+27.5% |
| Admin fee / account holder | $5,471 | $5,519-0.9% | $9,285-41.1% | $4,887+11.9% |