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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 | $11,644 | $107,421-89.2% | $182,262-93.6% | $94,015-87.6% |
| Participation rate | 29.7% | 77.8%-48.0pp | 84.2%-54.5pp | 70.8%-41.1pp |
| Annual return | 32.52% | 21.32%+11.2pp | 140.60%-108.1pp | 17.84%+14.7pp |
| Employer contribution / active EE | $1,641 | $3,448-52.4% | $5,046-67.5% | $2,790-41.2% |
| Participant deferral / active EE | $2,618 | $6,558-60.1% | $8,276-68.4% | $4,249-38.4% |
| Admin fee / account holder | $543 | $8,692-93.8% | $16,712-96.7% | $8,951-93.9% |