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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 | $13,115 | $65,395-79.9% | $182,540-92.8% | $72,975-82.0% |
| Participation rate | 22.3% | 65.4%-43.1pp | 78.0%-55.6pp | 69.5%-47.1pp |
| Annual return | 26.00% | 27.68%-1.7pp | 148.58%-122.6pp | 81.01%-55.0pp |
| Employer contribution / active EE | $505 | $1,911-73.6% | $4,076-87.6% | $2,440-79.3% |
| Participant deferral / active EE | $1,200 | $3,563-66.3% | $5,525-78.3% | $3,608-66.7% |
| Admin fee / account holder | $320 | $4,245-92.5% | $8,593-96.3% | $5,124-93.8% |