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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 | $10,243 | $91,167-88.8% | $178,498-94.3% | $79,858-87.2% |
| Participation rate | 46.5% | 69.2%-22.7pp | 81.9%-35.4pp | 69.6%-23.2pp |
| Annual return | 20.60% | 24.19%-3.6pp | 151.09%-130.5pp | 31.72%-11.1pp |
| Employer contribution / active EE | $486 | $3,255-85.1% | $5,011-90.3% | $2,471-80.3% |
| Participant deferral / active EE | $2,158 | $3,236-33.3% | $5,202-58.5% | $3,740-42.3% |
| Admin fee / account holder | $510 | $6,747-92.4% | $13,985-96.4% | $5,306-90.4% |