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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 | $14,910 | $98,776-84.9% | $149,745-90.0% | $79,856-81.3% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.5%-22.5pp | 69.6%-9.6pp |
| Annual return | 19.09% | 27.38%-8.3pp | 276.72%-257.6pp | 31.71%-12.6pp |
| Employer contribution / active EE | $993 | $3,217-69.1% | $4,646-78.6% | $2,471-59.8% |
| Participant deferral / active EE | $3,345 | $5,681-41.1% | $6,843-51.1% | $3,741-10.6% |
| Admin fee / account holder | $3,110 | $6,053-48.6% | $9,312-66.6% | $5,306-41.4% |