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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 | $19,468 | $98,776-80.3% | $149,745-87.0% | $79,856-75.6% |
| Participation rate | 48.5% | 75.8%-27.3pp | 82.5%-34.0pp | 69.6%-21.2pp |
| Annual return | 22.38% | 27.38%-5.0pp | 276.72%-254.3pp | 31.71%-9.3pp |
| Employer contribution / active EE | $1,497 | $3,217-53.5% | $4,646-67.8% | $2,471-39.4% |
| Participant deferral / active EE | $3,278 | $5,681-42.3% | $6,843-52.1% | $3,741-12.4% |
| Admin fee / account holder | $4,204 | $6,053-30.6% | $9,312-54.9% | $5,306-20.8% |