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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 | $32,805 | $95,404-65.6% | $113,397-71.1% | $82,637-60.3% |
| Participation rate | 57.7% | 72.8%-15.1pp | 76.5%-18.8pp | 68.1%-10.4pp |
| Annual return | 53.38% | 19.08%+34.3pp | 23.20%+30.2pp | 53.51%-0.1pp |
| Employer contribution / active EE | $1,292 | $2,307-44.0% | $2,977-56.6% | $2,552-49.4% |
| Participant deferral / active EE | $2,066 | $4,220-51.0% | $5,076-59.3% | $4,126-49.9% |
| Admin fee / account holder | $18,645 | $9,168+103.4% | $11,957+55.9% | $7,339+154.1% |