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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 | $101,752-74.7% | $164,928-84.4% | $80,911-68.2% |
| Participation rate | 60.0% | 71.8%-11.8pp | 78.6%-18.6pp | 67.6%-7.6pp |
| Annual return | 81.55% | 16.73%+64.8pp | 70.08%+11.5pp | 35.63%+45.9pp |
| Employer contribution / active EE | $1,997 | $2,953-32.4% | $4,343-54.0% | $2,756-27.5% |
| Participant deferral / active EE | $4,010 | $4,477-10.4% | $6,034-33.5% | $4,297-6.7% |
| Admin fee / account holder | $2,594 | $8,218-68.4% | $12,684-79.5% | $6,935-62.6% |