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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 | $13,065 | $73,102-82.1% | $123,552-89.4% | $56,287-76.8% |
| Participation rate | 52.4% | 74.3%-21.9pp | 82.3%-29.9pp | 69.9%-17.4pp |
| Annual return | 15.69% | 3.01%+12.7pp | 119.20%-103.5pp | -9.96%+25.6pp |
| Employer contribution / active EE | $890 | $2,977-70.1% | $4,628-80.8% | $2,111-57.8% |
| Participant deferral / active EE | $3,732 | $5,423-31.2% | $6,426-41.9% | $3,350+11.4% |
| Admin fee / account holder | $5,183 | $554+836.1% | $9,285-44.2% | $521+895.0% |