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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 | $27,339 | $122,063-77.6% | $184,256-85.2% | $74,478-63.3% |
| Participation rate | 69.0% | 85.5%-16.5pp | 86.8%-17.8pp | 67.2%+1.8pp |
| Annual return | 22.75% | 19.92%+2.8pp | 28.85%-6.1pp | 1370.56%-1347.8pp |
| Employer contribution / active EE | $2,382 | $4,539-47.5% | $6,427-62.9% | $2,626-9.3% |
| Participant deferral / active EE | $4,740 | $7,144-33.7% | $9,133-48.1% | $4,350+9.0% |
| Admin fee / account holder | $1,211 | $1,253-3.3% | $13,899-91.3% | $1,946-37.7% |