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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 | $16,986 | $89,367-81.0% | $141,191-88.0% | $72,975-76.7% |
| Participation rate | 63.9% | 75.1%-11.2pp | 82.5%-18.6pp | 69.5%-5.6pp |
| Annual return | 35.82% | 111.87%-76.0pp | 71.41%-35.6pp | 81.01%-45.2pp |
| Employer contribution / active EE | $1,209 | $3,115-61.2% | $4,736-74.5% | $2,440-50.4% |
| Participant deferral / active EE | $3,907 | $5,419-27.9% | $6,710-41.8% | $3,608+8.3% |
| Admin fee / account holder | $1,374 | $5,957-76.9% | $10,264-86.6% | $5,124-73.2% |