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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 | $11,905 | $65,566-81.8% | $86,235-86.2% | $75,177-84.2% |
| Participation rate | 42.4% | 60.5%-18.1pp | 69.0%-26.6pp | 67.2%-24.8pp |
| Annual return | 17.18% | 46.07%-28.9pp | 1170.03%-1152.9pp | 160.75%-143.6pp |
| Employer contribution / active EE | $1,260 | $1,553-18.9% | $2,381-47.1% | $2,671-52.8% |
| Participant deferral / active EE | $1,967 | $3,023-35.0% | $3,987-50.7% | $4,126-52.3% |
| Admin fee / account holder | $6,781 | $5,470+24.0% | $6,856-1.1% | $5,651+20.0% |