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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 | $30,082 | $80,674-62.7% | $119,126-74.7% | $64,340-53.2% |
| Participation rate | 17.8% | 55.2%-37.4pp | 75.8%-57.9pp | 55.2%-37.4pp |
| Annual return | 27.47% | 26.86%+0.6pp | 282.11%-254.6pp | 24.14%+3.3pp |
| Employer contribution / active EE | $554 | $2,564-78.4% | $4,034-86.3% | $1,862-70.3% |
| Participant deferral / active EE | $1,529 | $3,053-49.9% | $5,318-71.2% | $2,980-48.7% |
| Admin fee / account holder | $456 | $4,559-90.0% | $10,693-95.7% | $3,703-87.7% |