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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 | $17,230 | $78,425-78.0% | $95,956-82.0% | $79,858-78.4% |
| Participation rate | 32.4% | 73.5%-41.1pp | 77.1%-44.6pp | 69.6%-37.2pp |
| Annual return | 27.46% | 19.37%+8.1pp | 91.63%-64.2pp | 31.72%-4.3pp |
| Employer contribution / active EE | $729 | $1,945-62.5% | $2,541-71.3% | $2,471-70.5% |
| Participant deferral / active EE | $2,045 | $3,440-40.5% | $4,167-50.9% | $3,740-45.3% |
| Admin fee / account holder | $4,267 | $5,622-24.1% | $6,797-37.2% | $5,306-19.6% |