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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 | $16,032 | $117,829-86.4% | $102,423-84.3% | $145,877-89.0% |
| Participation rate | 40.9% | 78.6%-37.7pp | 76.5%-35.6pp | 80.3%-39.4pp |
| Annual return | 58.69% | 31.83%+26.9pp | 29.42%+29.3pp | 551.28%-492.6pp |
| Employer contribution / active EE | $1,431 | $3,615-60.4% | $3,023-52.7% | $4,663-69.3% |
| Participant deferral / active EE | $2,760 | $5,732-51.9% | $5,054-45.4% | $6,691-58.7% |
| Admin fee / account holder | $1,309 | $13,335-90.2% | $9,455-86.2% | $13,402-90.2% |