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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 | $23,172 | $102,429-77.4% | $147,096-84.2% | $80,925-71.4% |
| Participation rate | 39.5% | 75.9%-36.4pp | 82.2%-42.7pp | 67.7%-28.2pp |
| Annual return | 16.28% | 135.02%-118.7pp | 419.75%-403.5pp | 35.65%-19.4pp |
| Employer contribution / active EE | $2,369 | $3,716-36.2% | $4,936-52.0% | $2,756-14.0% |
| Participant deferral / active EE | $3,176 | $6,649-52.2% | $8,071-60.6% | $4,299-26.1% |
| Admin fee / account holder | $6,297 | $7,957-20.9% | $13,005-51.6% | $6,940-9.3% |