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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 | $23,818 | $98,766-75.9% | $149,730-84.1% | $79,852-70.2% |
| Participation rate | 58.7% | 75.8%-17.1pp | 82.5%-23.8pp | 69.6%-10.9pp |
| Annual return | 39.62% | 27.43%+12.2pp | 276.70%-237.1pp | 31.72%+7.9pp |
| Employer contribution / active EE | $994 | $3,217-69.1% | $4,645-78.6% | $2,471-59.8% |
| Participant deferral / active EE | $3,153 | $5,681-44.5% | $6,843-53.9% | $3,740-15.7% |
| Admin fee / account holder | $454 | $6,052-92.5% | $9,310-95.1% | $5,306-91.4% |