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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 | $26,503 | $78,428-66.2% | $95,960-72.4% | $79,852-66.8% |
| Participation rate | 64.0% | 73.5%-9.5pp | 77.1%-13.1pp | 69.6%-5.6pp |
| Annual return | 20.28% | 19.37%+0.9pp | 91.63%-71.4pp | 31.72%-11.4pp |
| Employer contribution / active EE | $4,956 | $1,945+154.8% | $2,541+95.0% | $2,471+100.6% |
| Participant deferral / active EE | $5,750 | $3,440+67.1% | $4,167+38.0% | $3,740+53.7% |
| Admin fee / account holder | $3,461 | $5,622-38.4% | $6,797-49.1% | $5,306-34.8% |