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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 | $18,441 | $78,423-76.5% | $95,964-80.8% | $79,856-76.9% |
| Participation rate | 61.5% | 73.5%-12.0pp | 77.1%-15.5pp | 69.6%-8.1pp |
| Annual return | 22.29% | 19.37%+2.9pp | 91.64%-69.4pp | 31.71%-9.4pp |
| Employer contribution / active EE | $1,396 | $1,945-28.2% | $2,541-45.1% | $2,471-43.5% |
| Participant deferral / active EE | $1,744 | $3,440-49.3% | $4,167-58.1% | $3,741-53.4% |
| Admin fee / account holder | $510 | $5,622-90.9% | $6,797-92.5% | $5,306-90.4% |