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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 | $10,099 | $63,861-84.2% | $104,639-90.3% | $79,856-87.4% |
| Participation rate | 36.8% | 64.9%-28.1pp | 74.1%-37.2pp | 69.6%-32.8pp |
| Annual return | 26.26% | 21.30%+5.0pp | 340.67%-314.4pp | 31.71%-5.5pp |
| Employer contribution / active EE | $811 | $1,588-48.9% | $2,682-69.7% | $2,471-67.2% |
| Participant deferral / active EE | $1,948 | $2,693-27.7% | $3,738-47.9% | $3,741-47.9% |
| Admin fee / account holder | $1,079 | $4,185-74.2% | $6,465-83.3% | $5,306-79.7% |