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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 | $23,333 | $77,569-69.9% | $115,599-79.8% | $64,097-63.6% |
| Participation rate | 49.0% | 60.7%-11.6pp | 74.3%-25.3pp | 55.2%-6.2pp |
| Annual return | 41.99% | 18.52%+23.5pp | 111.10%-69.1pp | 34.64%+7.3pp |
| Employer contribution / active EE | $1,446 | $1,915-24.5% | $2,955-51.1% | $1,891-23.6% |
| Participant deferral / active EE | $2,302 | $3,327-30.8% | $4,889-52.9% | $3,080-25.2% |
| Admin fee / account holder | $1,298 | $4,470-71.0% | $12,841-89.9% | $3,454-62.4% |