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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 | $12,794 | $41,854-69.4% | $73,836-82.7% | $52,331-75.6% |
| Participation rate | 46.7% | 66.2%-19.6pp | 73.4%-26.8pp | 68.1%-21.4pp |
| Annual return | 0.44% | 2.11%-1.7pp | 2268.06%-2267.6pp | 4.54%-4.1pp |
| Employer contribution / active EE | $337 | $1,920-82.5% | $2,787-87.9% | $1,882-82.1% |
| Participant deferral / active EE | $2,005 | $2,498-19.7% | $3,583-44.0% | $3,022-33.7% |
| Admin fee / account holder | $635 | $493+28.9% | $4,882-87.0% | $592+7.3% |