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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 | $13,768 | $58,888-76.6% | $178,498-92.3% | $73,493-81.3% |
| Participation rate | 28.6% | 66.2%-37.7pp | 81.9%-53.4pp | 70.7%-42.1pp |
| Annual return | 22.72% | 24.86%-2.1pp | 151.09%-128.4pp | 28.51%-5.8pp |
| Employer contribution / active EE | $596 | $2,236-73.4% | $5,011-88.1% | $2,270-73.8% |
| Participant deferral / active EE | $1,072 | $2,568-58.2% | $5,202-79.4% | $3,740-71.3% |
| Admin fee / account holder | $481 | $400+20.2% | $13,985-96.6% | $513-6.2% |