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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 | $14,726 | $165,939-91.1% | $122,354-88.0% | $147,586-90.0% |
| Participation rate | 43.5% | 79.6%-36.1pp | 71.6%-28.2pp | 82.8%-39.4pp |
| Annual return | 15.35% | 34.56%-19.2pp | 30.28%-14.9pp | 578.59%-563.2pp |
| Employer contribution / active EE | $207 | $5,754-96.4% | $4,051-94.9% | $4,876-95.8% |
| Participant deferral / active EE | $1,340 | $4,005-66.6% | $3,287-59.3% | $5,439-75.4% |
| Admin fee / account holder | $565 | $7,425-92.4% | $5,479-89.7% | $10,886-94.8% |