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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 | $14,302 | $84,236-83.0% | $170,435-91.6% | $70,126-79.6% |
| Participation rate | 38.7% | 70.8%-32.1pp | 83.6%-44.9pp | 69.5%-30.8pp |
| Annual return | 12.46% | 23.06%-10.6pp | 205.94%-193.5pp | 73.15%-60.7pp |
| Employer contribution / active EE | $388 | $3,387-88.6% | $5,432-92.9% | $2,343-83.5% |
| Participant deferral / active EE | $846 | $3,086-72.6% | $4,939-82.9% | $3,332-74.6% |
| Admin fee / account holder | $4,646 | $5,698-18.5% | $13,881-66.5% | $4,6450% |