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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 | $11,176 | $90,486-87.6% | $78,676-85.8% | $273,972-95.9% |
| Participation rate | 47.1% | 76.5%-29.5pp | 73.6%-26.5pp | 83.0%-36.0pp |
| Annual return | 12.49% | 75.62%-63.1pp | 62.19%-49.7pp | 41.46%-29.0pp |
| Employer contribution / active EE | $2,014 | $3,175-36.6% | $2,850-29.3% | $4,869-58.6% |
| Participant deferral / active EE | $2,228 | $3,901-42.9% | $3,517-36.6% | $5,287-57.9% |
| Admin fee / account holder | $2,133 | $5,263-59.5% | $4,510-52.7% | $10,133-78.9% |