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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 | $28,829 | $83,369-65.4% | $105,223-72.6% | $67,986-57.6% |
| Participation rate | 42.3% | 56.3%-14.0pp | 75.0%-32.7pp | 57.2%-14.9pp |
| Annual return | 25.74% | 24.64%+1.1pp | 180.65%-154.9pp | 31.67%-5.9pp |
| Employer contribution / active EE | $1,312 | $2,541-48.4% | $3,689-64.4% | $2,019-35.0% |
| Participant deferral / active EE | $2,270 | $3,295-31.1% | $5,072-55.2% | $3,358-32.4% |
| Admin fee / account holder | $2,647 | $4,073-35.0% | $8,859-70.1% | $3,203-17.4% |