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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 | $12,000 | $102,632-88.3% | $81,988-85.4% | $158,950-92.5% |
| Participation rate | 40.0% | 75.5%-35.5pp | 69.3%-29.3pp | 82.0%-42.0pp |
| Annual return | 64.89% | 61.05%+3.8pp | 41.31%+23.6pp | 302.91%-238.0pp |
| Employer contribution / active EE | $1,254 | $3,241-61.3% | $2,498-49.8% | $4,762-73.7% |
| Participant deferral / active EE | $2,149 | $4,649-53.8% | $3,722-42.3% | $5,983-64.1% |
| Admin fee / account holder | $887 | $8,237-89.2% | $5,665-84.4% | $11,248-92.1% |