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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 | $14,264 | $98,760-85.6% | $149,710-90.5% | $79,860-82.1% |
| Participation rate | 62.5% | 75.8%-13.3pp | 82.5%-20.0pp | 69.6%-7.1pp |
| Annual return | 19.52% | 27.43%-7.9pp | 276.63%-257.1pp | 31.72%-12.2pp |
| Employer contribution / active EE | $797 | $3,217-75.2% | $4,645-82.8% | $2,471-67.7% |
| Participant deferral / active EE | $2,491 | $5,681-56.1% | $6,842-63.6% | $3,740-33.4% |
| Admin fee / account holder | $1,866 | $6,053-69.2% | $9,309-80.0% | $5,306-64.8% |