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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 | $101,950-70.1% | $125,529-75.7% | $86,983-65.0% |
| Participation rate | 42.9% | 70.2%-27.3pp | 74.7%-31.9pp | 69.5%-26.7pp |
| Annual return | 17.60% | 18.29%-0.7pp | 202.56%-185.0pp | 25.83%-8.2pp |
| Employer contribution / active EE | $1,358 | $2,358-42.4% | $3,058-55.6% | $2,584-47.4% |
| Participant deferral / active EE | $3,943 | $3,862+2.1% | $4,813-18.1% | $4,194-6.0% |
| Admin fee / account holder | $2,816 | $12,791-78.0% | $16,298-82.7% | $7,856-64.2% |