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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 | $11,605 | $46,464-75.0% | $150,298-92.3% | $79,634-85.4% |
| Participation rate | 20.3% | 57.0%-36.7pp | 77.8%-57.5pp | 62.5%-42.2pp |
| Annual return | 12.90% | 27.89%-15.0pp | 62.79%-49.9pp | 36.46%-23.6pp |
| Employer contribution / active EE | $443 | $1,512-70.7% | $4,154-89.3% | $2,529-82.5% |
| Participant deferral / active EE | $585 | $2,157-72.9% | $5,453-89.3% | $3,835-84.7% |
| Admin fee / account holder | $6,483 | $891+627.9% | $14,116-54.1% | $1,002+547.1% |