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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 | $99,875-88.3% | $146,866-92.1% | $86,983-86.6% |
| Participation rate | 29.7% | 75.8%-46.1pp | 82.5%-52.8pp | 69.5%-39.8pp |
| Annual return | 32.52% | 28.10%+4.4pp | 102.85%-70.3pp | 25.83%+6.7pp |
| Employer contribution / active EE | $1,641 | $3,224-49.1% | $4,425-62.9% | $2,584-36.5% |
| Participant deferral / active EE | $2,618 | $6,322-58.6% | $7,759-66.3% | $4,194-37.6% |
| Admin fee / account holder | $543 | $7,838-93.1% | $13,620-96.0% | $7,856-93.1% |