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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 | $16,880 | $87,060-80.6% | $105,591-84.0% | $80,911-79.1% |
| Participation rate | 46.4% | 70.4%-24.0pp | 75.3%-28.9pp | 67.6%-21.2pp |
| Annual return | 39.82% | 17.05%+22.8pp | 116.43%-76.6pp | 35.63%+4.2pp |
| Employer contribution / active EE | $1,359 | $2,396-43.3% | $3,166-57.1% | $2,756-50.7% |
| Participant deferral / active EE | $2,069 | $3,986-48.1% | $5,008-58.7% | $4,297-51.9% |
| Admin fee / account holder | $1,161 | $8,442-86.2% | $11,024-89.5% | $6,935-83.3% |