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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 | $14,086 | $54,297-74.1% | $97,032-85.5% | $65,306-78.4% |
| Participation rate | 19.4% | 42.3%-22.9pp | 71.6%-52.2pp | 57.7%-38.3pp |
| Annual return | 40.50% | 21.17%+19.3pp | 35.38%+5.1pp | 21.94%+18.6pp |
| Employer contribution / active EE | $230 | $1,365-83.2% | $2,629-91.3% | $1,967-88.3% |
| Participant deferral / active EE | $564 | $2,259-75.0% | $4,672-87.9% | $2,959-80.9% |
| Admin fee / account holder | $608 | $3,744-83.8% | $9,418-93.5% | $3,480-82.5% |