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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 | $16,055 | $70,435-77.2% | $96,575-83.4% | $85,856-81.3% |
| Participation rate | 45.5% | 61.8%-16.4pp | 69.8%-24.4pp | 69.3%-23.9pp |
| Annual return | 12.90% | 18.59%-5.7pp | 37.79%-24.9pp | 318.58%-305.7pp |
| Employer contribution / active EE | $1,235 | $1,413-12.6% | $2,357-47.6% | $2,565-51.8% |
| Participant deferral / active EE | $1,805 | $2,894-37.6% | $3,849-53.1% | $3,952-54.3% |
| Admin fee / account holder | $1,025 | $4,997-79.5% | $6,182-83.4% | $6,261-83.6% |