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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 | $12,258 | $36,767-66.7% | $81,473-85.0% | $62,293-80.3% |
| Participation rate | 15.3% | 54.4%-39.1pp | 68.0%-52.7pp | 69.5%-54.2pp |
| Annual return | 19.21% | 173.80%-154.6pp | 38.78%-19.6pp | 28.90%-9.7pp |
| Employer contribution / active EE | $204 | $1,128-81.9% | $2,568-92.1% | $2,042-90.0% |
| Participant deferral / active EE | $790 | $2,111-62.5% | $3,537-77.7% | $3,169-75.1% |
| Admin fee / account holder | $1,419 | $797+78.0% | $4,561-68.9% | $479+196.0% |