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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 | $21,561 | $102,422-78.9% | $147,117-85.3% | $80,959-73.4% |
| Participation rate | 52.3% | 75.9%-23.5pp | 82.2%-29.9pp | 67.7%-15.3pp |
| Annual return | 27.60% | 135.16%-107.6pp | 420.54%-392.9pp | 35.67%-8.1pp |
| Employer contribution / active EE | $2,238 | $3,717-39.8% | $4,932-54.6% | $2,757-18.8% |
| Participant deferral / active EE | $4,484 | $6,652-32.6% | $8,065-44.4% | $4,300+4.3% |
| Admin fee / account holder | $4,047 | $7,953-49.1% | $12,993-68.9% | $6,925-41.6% |