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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 | $24,916 | $99,957-75.1% | $149,745-83.4% | $73,497-66.1% |
| Participation rate | 53.7% | 75.7%-22.0pp | 82.5%-28.8pp | 70.7%-17.0pp |
| Annual return | 68.42% | 53.87%+14.6pp | 276.72%-208.3pp | 28.51%+39.9pp |
| Employer contribution / active EE | $1,119 | $3,191-64.9% | $4,646-75.9% | $2,270-50.7% |
| Participant deferral / active EE | $2,925 | $6,073-51.8% | $6,843-57.3% | $3,740-21.8% |
| Admin fee / account holder | $3,106 | $551+464.1% | $9,312-66.6% | $513+505.4% |