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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 | $14,958 | $67,602-77.9% | $82,312-81.8% | $70,126-78.7% |
| Participation rate | 32.7% | 72.8%-40.1pp | 76.9%-44.2pp | 69.5%-36.9pp |
| Annual return | 44.56% | 21.57%+23.0pp | 25.88%+18.7pp | 73.15%-28.6pp |
| Employer contribution / active EE | $473 | $1,755-73.0% | $2,428-80.5% | $2,343-79.8% |
| Participant deferral / active EE | $0 | $2,987-100.0% | $3,706-100.0% | $3,332-100.0% |
| Admin fee / account holder | $1,238 | $4,512-72.6% | $5,608-77.9% | $4,645-73.4% |