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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 | $12,172 | $53,128-77.1% | $86,582-85.9% | $70,126-82.6% |
| Participation rate | 57.5% | 65.3%-7.8pp | 73.5%-16.0pp | 69.5%-12.0pp |
| Annual return | 32.57% | 27.66%+4.9pp | 965.08%-932.5pp | 73.15%-40.6pp |
| Employer contribution / active EE | $1,466 | $2,068-29.1% | $2,839-48.4% | $2,343-37.4% |
| Participant deferral / active EE | $2,693 | $2,695-0.1% | $3,609-25.4% | $3,332-19.2% |
| Admin fee / account holder | $350 | $3,584-90.2% | $4,904-92.9% | $4,645-92.5% |