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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 | $10,434 | $84,236-87.6% | $170,435-93.9% | $70,126-85.1% |
| Participation rate | 56.4% | 70.8%-14.4pp | 83.6%-27.2pp | 69.5%-13.1pp |
| Annual return | 15.10% | 23.06%-8.0pp | 205.94%-190.8pp | 73.15%-58.1pp |
| Employer contribution / active EE | $1,213 | $3,387-64.2% | $5,432-77.7% | $2,343-48.2% |
| Participant deferral / active EE | $1,153 | $3,086-62.6% | $4,939-76.6% | $3,332-65.4% |
| Admin fee / account holder | $3,583 | $5,698-37.1% | $13,881-74.2% | $4,645-22.9% |