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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 | $15,802 | $50,637-68.8% | $86,582-81.7% | $62,293-74.6% |
| Participation rate | 56.2% | 67.9%-11.7pp | 73.5%-17.4pp | 69.5%-13.3pp |
| Annual return | 16.96% | 20.80%-3.8pp | 965.08%-948.1pp | 28.90%-11.9pp |
| Employer contribution / active EE | $1,772 | $2,075-14.6% | $2,839-37.6% | $2,042-13.3% |
| Participant deferral / active EE | $888 | $2,611-66.0% | $3,609-75.4% | $3,169-72.0% |
| Admin fee / account holder | $1,499 | $413+262.8% | $4,904-69.4% | $479+212.8% |