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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 | $22,236 | $98,766-77.5% | $149,730-85.1% | $79,852-72.2% |
| Participation rate | 50.8% | 75.8%-25.0pp | 82.5%-31.7pp | 69.6%-18.9pp |
| Annual return | 13.82% | 27.43%-13.6pp | 276.70%-262.9pp | 31.72%-17.9pp |
| Employer contribution / active EE | $700 | $3,217-78.2% | $4,645-84.9% | $2,471-71.7% |
| Participant deferral / active EE | $3,931 | $5,681-30.8% | $6,843-42.5% | $3,740+5.1% |
| Admin fee / account holder | $2,282 | $6,052-62.3% | $9,310-75.5% | $5,306-57.0% |