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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 | $14,351 | $89,370-83.9% | $141,197-89.8% | $72,976-80.3% |
| Participation rate | 25.6% | 75.1%-49.5pp | 82.5%-56.8pp | 69.5%-43.8pp |
| Annual return | 27.13% | 111.88%-84.7pp | 71.41%-44.3pp | 81.02%-53.9pp |
| Employer contribution / active EE | $1,252 | $3,115-59.8% | $4,736-73.6% | $2,440-48.7% |
| Participant deferral / active EE | $2,431 | $5,419-55.1% | $6,710-63.8% | $3,608-32.6% |
| Admin fee / account holder | $1,238 | $5,957-79.2% | $10,265-87.9% | $5,124-75.8% |