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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 | $12,812 | $89,367-85.7% | $141,191-90.9% | $72,975-82.4% |
| Participation rate | 61.8% | 75.1%-13.4pp | 82.5%-20.7pp | 69.5%-7.7pp |
| Annual return | 29.39% | 111.87%-82.5pp | 71.41%-42.0pp | 81.01%-51.6pp |
| Employer contribution / active EE | $1,776 | $3,115-43.0% | $4,736-62.5% | $2,440-27.2% |
| Participant deferral / active EE | $4,203 | $5,419-22.4% | $6,710-37.4% | $3,608+16.5% |
| Admin fee / account holder | $2,204 | $5,957-63.0% | $10,264-78.5% | $5,124-57.0% |