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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 | $12,190 | $63,861-80.9% | $104,639-88.4% | $79,856-84.7% |
| Participation rate | 39.2% | 64.9%-25.7pp | 74.1%-34.8pp | 69.6%-30.4pp |
| Annual return | 26.53% | 21.30%+5.2pp | 340.67%-314.1pp | 31.71%-5.2pp |
| Employer contribution / active EE | $853 | $1,588-46.3% | $2,682-68.2% | $2,471-65.5% |
| Participant deferral / active EE | $1,417 | $2,693-47.4% | $3,738-62.1% | $3,741-62.1% |
| Admin fee / account holder | $430 | $4,185-89.7% | $6,465-93.3% | $5,306-91.9% |