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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 | $23,181 | $93,345-75.2% | $119,126-80.5% | $87,485-73.5% |
| Participation rate | 46.7% | 68.7%-22.1pp | 75.8%-29.1pp | 68.9%-22.3pp |
| Annual return | 32.79% | 19.08%+13.7pp | 282.11%-249.3pp | 26.06%+6.7pp |
| Employer contribution / active EE | $1,664 | $3,172-47.5% | $4,034-58.7% | $2,596-35.9% |
| Participant deferral / active EE | $2,641 | $4,099-35.6% | $5,318-50.3% | $4,274-38.2% |
| Admin fee / account holder | $550 | $8,039-93.2% | $10,693-94.9% | $7,775-92.9% |