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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 | $12,046 | $100,901-88.1% | $75,501-84.0% | $147,586-91.8% |
| Participation rate | 57.9% | 77.1%-19.2pp | 72.4%-14.5pp | 82.8%-24.9pp |
| Annual return | 18.06% | 35.78%-17.7pp | 27.35%-9.3pp | 578.59%-560.5pp |
| Employer contribution / active EE | $839 | $3,253-74.2% | $2,352-64.3% | $4,876-82.8% |
| Participant deferral / active EE | $1,574 | $4,027-60.9% | $3,142-49.9% | $5,439-71.1% |
| Admin fee / account holder | $3,936 | $11,285-65.1% | $5,801-32.2% | $10,886-63.8% |