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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 | $12,089 | $79,449-84.8% | $189,575-93.6% | $85,847-85.9% |
| Participation rate | 56.3% | 66.0%-9.7pp | 78.4%-22.2pp | 69.3%-13.1pp |
| Annual return | 16.01% | 18.45%-2.4pp | 64.19%-48.2pp | 318.61%-302.6pp |
| Employer contribution / active EE | $1,205 | $2,081-42.1% | $4,412-72.7% | $2,565-53.0% |
| Participant deferral / active EE | $2,033 | $4,051-49.8% | $6,174-67.1% | $3,952-48.6% |
| Admin fee / account holder | $634 | $5,377-88.2% | $9,806-93.5% | $6,261-89.9% |