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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 | $14,606 | $51,620-71.7% | $90,304-83.8% | $65,185-77.6% |
| Participation rate | 50.9% | 68.6%-17.7pp | 73.3%-22.3pp | 70.2%-19.3pp |
| Annual return | 22.91% | 24.94%-2.0pp | 78.13%-55.2pp | 29.38%-6.5pp |
| Employer contribution / active EE | $529 | $2,235-76.3% | $2,855-81.5% | $2,177-75.7% |
| Participant deferral / active EE | $1,408 | $2,871-50.9% | $3,885-63.8% | $3,514-59.9% |
| Admin fee / account holder | $896 | $384+133.1% | $5,354-83.3% | $847+5.7% |