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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 | $44,640 | $130,294-65.7% | $170,043-73.7% | $71,511-37.6% |
| Participation rate | 53.5% | 86.2%-32.6pp | 87.0%-33.5pp | 67.9%-14.4pp |
| Annual return | 22.37% | 20.36%+2.0pp | 53.40%-31.0pp | 28.86%-6.5pp |
| Employer contribution / active EE | $2,104 | $4,385-52.0% | $6,790-69.0% | $2,589-18.7% |
| Participant deferral / active EE | $4,284 | $6,928-38.2% | $10,410-58.8% | $4,291-0.2% |
| Admin fee / account holder | $8,266 | $966+755.4% | $12,824-35.5% | $1,588+420.4% |