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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 | $12,209 | $232,540-94.7% | $185,117-93.4% | $147,586-91.7% |
| Participation rate | 27.3% | 82.4%-55.1pp | 77.3%-50.0pp | 82.8%-55.6pp |
| Annual return | 13.39% | 43.03%-29.6pp | 40.50%-27.1pp | 578.59%-565.2pp |
| Employer contribution / active EE | $733 | $5,195-85.9% | $4,182-82.5% | $4,876-85.0% |
| Participant deferral / active EE | $886 | $5,834-84.8% | $5,045-82.4% | $5,439-83.7% |
| Admin fee / account holder | $4,384 | $10,275-57.3% | $8,159-46.3% | $10,886-59.7% |