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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 | $15,723 | $82,674-81.0% | $125,363-87.5% | $68,495-77.0% |
| Participation rate | 69.7% | 75.0%-5.4pp | 82.4%-12.7pp | 67.9%+1.8pp |
| Annual return | 24.39% | -5.97%+30.4pp | 572.15%-547.8pp | -7.84%+32.2pp |
| Employer contribution / active EE | $1,696 | $3,382-49.8% | $4,815-64.8% | $2,596-34.7% |
| Participant deferral / active EE | $5,707 | $6,111-6.6% | $7,447-23.4% | $4,028+41.7% |
| Admin fee / account holder | $3,103 | $6,276-50.6% | $10,005-69.0% | $5,403-42.6% |