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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 | $12,380 | $47,944-74.2% | $67,834-81.7% | $62,881-80.3% |
| Participation rate | 54.5% | 61.1%-6.5pp | 68.8%-14.3pp | 69.3%-14.8pp |
| Annual return | 44.82% | 11.77%+33.1pp | 138.47%-93.6pp | 20.14%+24.7pp |
| Employer contribution / active EE | $1,171 | $1,562-25.0% | $2,403-51.3% | $2,281-48.7% |
| Participant deferral / active EE | $2,085 | $2,247-7.2% | $3,160-34.0% | $3,203-34.9% |
| Admin fee / account holder | $786 | $3,712-78.8% | $4,622-83.0% | $4,296-81.7% |