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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 | $14,226 | $65,428-78.3% | $169,397-91.6% | $71,529-80.1% |
| Participation rate | 47.2% | 66.9%-19.7pp | 77.2%-30.0pp | 67.9%-20.7pp |
| Annual return | 17.93% | 21.35%-3.4pp | 406.23%-388.3pp | 28.97%-11.0pp |
| Employer contribution / active EE | $936 | $2,064-54.6% | $4,013-76.7% | $2,590-63.9% |
| Participant deferral / active EE | $1,935 | $4,360-55.6% | $6,223-68.9% | $4,291-54.9% |
| Admin fee / account holder | $4,372 | $1,328+229.3% | $9,017-51.5% | $1,588+175.2% |