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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 | $10,519 | $46,697-77.5% | $117,533-91.1% | $68,486-84.6% |
| Participation rate | 48.3% | 56.8%-8.5pp | 70.6%-22.3pp | 67.9%-19.6pp |
| Annual return | 36.86% | -14.52%+51.4pp | 29.77%+7.1pp | -7.85%+44.7pp |
| Employer contribution / active EE | $1,464 | $1,506-2.8% | $4,179-65.0% | $2,597-43.6% |
| Participant deferral / active EE | $2,459 | $2,637-6.8% | $4,072-39.6% | $4,028-39.0% |
| Admin fee / account holder | $1,290 | $4,023-67.9% | $5,647-77.2% | $5,404-76.1% |