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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 | $25,555 | $80,674-68.3% | $119,126-78.5% | $64,340-60.3% |
| Participation rate | 44.5% | 55.2%-10.7pp | 75.8%-31.2pp | 55.2%-10.7pp |
| Annual return | 18.93% | 26.86%-7.9pp | 282.11%-263.2pp | 24.14%-5.2pp |
| Employer contribution / active EE | $1,248 | $2,564-51.3% | $4,034-69.1% | $1,862-32.9% |
| Participant deferral / active EE | $2,808 | $3,053-8.0% | $5,318-47.2% | $2,980-5.8% |
| Admin fee / account holder | $6,798 | $4,559+49.1% | $10,693-36.4% | $3,703+83.6% |