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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 | $11,505 | $78,670-85.4% | $109,173-89.5% | $85,847-86.6% |
| Participation rate | 39.1% | 68.3%-29.1pp | 75.9%-36.7pp | 69.3%-30.2pp |
| Annual return | 16.81% | 25.09%-8.3pp | 25.75%-8.9pp | 318.61%-301.8pp |
| Employer contribution / active EE | $722 | $2,734-73.6% | $3,723-80.6% | $2,565-71.9% |
| Participant deferral / active EE | $2,122 | $3,467-38.8% | $4,654-54.4% | $3,952-46.3% |
| Admin fee / account holder | $730 | $5,469-86.6% | $6,755-89.2% | $6,261-88.3% |