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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 | $12,862 | $73,787-82.6% | $98,716-87.0% | $82,448-84.4% |
| Participation rate | 25.8% | 61.4%-35.6pp | 69.3%-43.5pp | 68.1%-42.3pp |
| Annual return | 71.01% | 18.57%+52.4pp | 31.81%+39.2pp | 41.64%+29.4pp |
| Employer contribution / active EE | $1,229 | $1,511-18.7% | $2,279-46.1% | $2,551-51.8% |
| Participant deferral / active EE | $2,405 | $3,081-21.9% | $4,048-40.6% | $4,139-41.9% |
| Admin fee / account holder | $1,378 | $6,500-78.8% | $8,703-84.2% | $7,234-81.0% |