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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 | $30,448 | $97,648-68.8% | $121,663-75.0% | $87,485-65.2% |
| Participation rate | 42.9% | 70.5%-27.6pp | 74.5%-31.6pp | 68.9%-26.1pp |
| Annual return | 17.60% | 18.03%-0.4pp | 147.54%-129.9pp | 26.06%-8.5pp |
| Employer contribution / active EE | $1,358 | $2,300-41.0% | $3,020-55.0% | $2,596-47.7% |
| Participant deferral / active EE | $3,943 | $3,923+0.5% | $4,887-19.3% | $4,274-7.7% |
| Admin fee / account holder | $2,816 | $11,100-74.6% | $14,289-80.3% | $7,775-63.8% |