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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 | $15,142 | $55,457-72.7% | $77,361-80.4% | $94,015-83.9% |
| Participation rate | 64.0% | 69.8%-5.8pp | 75.0%-11.0pp | 70.8%-6.8pp |
| Annual return | 15.30% | 15.57%-0.3pp | 1011.54%-996.2pp | 17.84%-2.5pp |
| Employer contribution / active EE | $1,002 | $2,255-55.5% | $2,990-66.5% | $2,790-64.1% |
| Participant deferral / active EE | $1,506 | $3,069-50.9% | $3,911-61.5% | $4,249-64.6% |
| Admin fee / account holder | $2,445 | $4,334-43.6% | $5,894-58.5% | $8,951-72.7% |