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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 | $12,764 | $77,816-83.6% | $123,552-89.7% | $64,173-80.1% |
| Participation rate | 43.9% | 74.7%-30.9pp | 82.3%-38.4pp | 69.6%-25.7pp |
| Annual return | 79.96% | 12.49%+67.5pp | 119.20%-39.2pp | 7.63%+72.3pp |
| Employer contribution / active EE | $1,247 | $3,014-58.6% | $4,628-73.0% | $2,381-47.6% |
| Participant deferral / active EE | $3,008 | $5,240-42.6% | $6,426-53.2% | $3,470-13.3% |
| Admin fee / account holder | $1,384 | $5,519-74.9% | $9,285-85.1% | $4,887-71.7% |