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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 | $20,010 | $65,027-69.2% | $90,970-78.0% | $79,852-74.9% |
| Participation rate | 20.6% | 61.6%-41.0pp | 69.0%-48.4pp | 69.6%-49.0pp |
| Annual return | 35.72% | 30.45%+5.3pp | 134.58%-98.9pp | 31.72%+4.0pp |
| Employer contribution / active EE | $1,183 | $1,247-5.2% | $2,122-44.3% | $2,471-52.1% |
| Participant deferral / active EE | $1,625 | $2,512-35.3% | $3,373-51.8% | $3,740-56.6% |
| Admin fee / account holder | $1,531 | $4,535-66.2% | $5,960-74.3% | $5,306-71.1% |