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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 | $15,868 | $64,734-75.5% | $90,796-82.5% | $64,097-75.2% |
| Participation rate | 49.4% | 53.2%-3.8pp | 69.5%-20.1pp | 55.2%-5.8pp |
| Annual return | 66.52% | 17.77%+48.7pp | 19.29%+47.2pp | 34.64%+31.9pp |
| Employer contribution / active EE | $1,262 | $1,703-25.9% | $2,294-45.0% | $1,891-33.3% |
| Participant deferral / active EE | $3,555 | $2,629+35.2% | $3,822-7.0% | $3,080+15.4% |
| Admin fee / account holder | $499 | $3,474-85.6% | $7,024-92.9% | $3,454-85.6% |