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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 | $25,740 | $101,795-74.7% | $165,100-84.4% | $80,959-68.2% |
| Participation rate | 60.0% | 71.8%-11.8pp | 78.6%-18.6pp | 67.7%-7.7pp |
| Annual return | 81.55% | 16.73%+64.8pp | 70.21%+11.3pp | 35.67%+45.9pp |
| Employer contribution / active EE | $1,997 | $2,954-32.4% | $4,348-54.1% | $2,757-27.6% |
| Participant deferral / active EE | $4,010 | $4,476-10.4% | $6,035-33.6% | $4,300-6.8% |
| Admin fee / account holder | $2,594 | $8,221-68.4% | $12,696-79.6% | $6,925-62.5% |