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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 | $9,565 | $51,642-81.5% | $129,384-92.6% | $80,935-88.2% |
| Participation rate | 43.1% | 56.9%-13.8pp | 69.6%-26.6pp | 67.7%-24.6pp |
| Annual return | 14.56% | 20.78%-6.2pp | 9461.77%-9447.2pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,076 | $1,583-32.0% | $4,153-74.1% | $2,757-61.0% |
| Participant deferral / active EE | $1,966 | $2,670-26.4% | $4,166-52.8% | $4,299-54.3% |
| Admin fee / account holder | $1,100 | $4,312-74.5% | $7,686-85.7% | $6,924-84.1% |