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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 | $13,225 | $63,924-79.3% | $108,582-87.8% | $55,167-76.0% |
| Participation rate | 47.7% | 74.3%-26.6pp | 79.6%-31.9pp | 69.0%-21.3pp |
| Annual return | 11.90% | 15.31%-3.4pp | -51.70%+63.6pp | 169.23%-157.3pp |
| Employer contribution / active EE | $1,120 | $1,879-40.4% | $3,758-70.2% | $1,963-42.9% |
| Participant deferral / active EE | $1,963 | $3,067-36.0% | $4,311-54.5% | $3,054-35.7% |
| Admin fee / account holder | $512 | $618-17.1% | $7,645-93.3% | $504+1.6% |