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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 | $12,738 | $98,760-87.1% | $149,715-91.5% | $79,858-84.0% |
| Participation rate | 63.4% | 75.8%-12.4pp | 82.5%-19.1pp | 69.6%-6.2pp |
| Annual return | 41.19% | 27.43%+13.8pp | 276.66%-235.5pp | 31.72%+9.5pp |
| Employer contribution / active EE | $1,952 | $3,217-39.3% | $4,645-58.0% | $2,471-21.0% |
| Participant deferral / active EE | $2,970 | $5,681-47.7% | $6,842-56.6% | $3,740-20.6% |
| Admin fee / account holder | $1,101 | $6,053-81.8% | $9,310-88.2% | $5,306-79.2% |