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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 | $33,066 | $146,267-77.4% | $197,124-83.2% | $82,448-59.9% |
| Participation rate | 57.1% | 84.0%-26.9pp | 86.7%-29.6pp | 68.1%-10.9pp |
| Annual return | 82.45% | 29.61%+52.8pp | 44.34%+38.1pp | 41.64%+40.8pp |
| Employer contribution / active EE | $2,433 | $4,723-48.5% | $6,227-60.9% | $2,551-4.6% |
| Participant deferral / active EE | $4,620 | $7,035-34.3% | $9,135-49.4% | $4,139+11.6% |
| Admin fee / account holder | $1,512 | $14,422-89.5% | $16,298-90.7% | $7,234-79.1% |