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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 | $11,835 | $73,978-84.0% | $96,515-87.7% | $75,173-84.3% |
| Participation rate | 38.3% | 66.4%-28.1pp | 74.3%-36.0pp | 67.2%-28.9pp |
| Annual return | 21.90% | 26.72%-4.8pp | 35.73%-13.8pp | 160.72%-138.8pp |
| Employer contribution / active EE | $782 | $2,931-73.3% | $3,740-79.1% | $2,671-70.7% |
| Participant deferral / active EE | $1,772 | $3,660-51.6% | $4,880-63.7% | $4,126-57.0% |
| Admin fee / account holder | $847 | $5,219-83.8% | $6,735-87.4% | $5,651-85.0% |