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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 | $11,058 | $70,666-84.4% | $169,385-93.5% | $75,181-85.3% |
| Participation rate | 50.0% | 64.8%-14.8pp | 77.2%-27.2pp | 67.2%-17.2pp |
| Annual return | 16.38% | 36.37%-20.0pp | 405.82%-389.4pp | 160.69%-144.3pp |
| Employer contribution / active EE | $865 | $2,210-60.8% | $4,012-78.4% | $2,671-67.6% |
| Participant deferral / active EE | $1,588 | $4,308-63.2% | $6,221-74.5% | $4,126-61.5% |
| Admin fee / account holder | $3,164 | $5,402-41.4% | $9,011-64.9% | $5,650-44.0% |