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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 | $18,418 | $102,385-82.0% | $147,080-87.5% | $80,935-77.2% |
| Participation rate | 59.0% | 75.9%-16.9pp | 82.2%-23.2pp | 67.7%-8.7pp |
| Annual return | 21.56% | 135.09%-113.5pp | 420.17%-398.6pp | 35.66%-14.1pp |
| Employer contribution / active EE | $1,466 | $3,717-60.5% | $4,933-70.3% | $2,757-46.8% |
| Participant deferral / active EE | $2,828 | $6,651-57.5% | $8,066-64.9% | $4,299-34.2% |
| Admin fee / account holder | $1,784 | $7,951-77.6% | $12,989-86.3% | $6,924-74.2% |