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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 | $15,114 | $125,797-88.0% | $170,057-91.1% | $75,177-79.9% |
| Participation rate | 68.8% | 83.6%-14.8pp | 87.0%-18.2pp | 67.2%+1.6pp |
| Annual return | 88.93% | 27.20%+61.7pp | 53.42%+35.5pp | 160.75%-71.8pp |
| Employer contribution / active EE | $1,930 | $4,616-58.2% | $6,790-71.6% | $2,671-27.7% |
| Participant deferral / active EE | $3,225 | $6,838-52.8% | $10,411-69.0% | $4,126-21.8% |
| Admin fee / account holder | $1,439 | $8,177-82.4% | $12,826-88.8% | $5,651-74.5% |