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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 | $10,420 | $106,280-90.2% | $96,538-89.2% | $139,487-92.5% |
| Participation rate | 33.3% | 77.8%-44.5pp | 74.3%-41.0pp | 80.3%-47.0pp |
| Annual return | 15.13% | 38.48%-23.4pp | 35.74%-20.6pp | 373.84%-358.7pp |
| Employer contribution / active EE | $1,115 | $4,107-72.9% | $3,740-70.2% | $4,755-76.6% |
| Participant deferral / active EE | $3,023 | $5,457-44.6% | $4,880-38.1% | $6,713-55.0% |
| Admin fee / account holder | $8,388 | $7,888+6.3% | $6,737+24.5% | $11,407-26.5% |