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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 | $12,540 | $105,284-88.1% | $150,734-91.7% | $94,015-86.7% |
| Participation rate | 60.6% | 71.7%-11.1pp | 78.4%-17.8pp | 70.8%-10.2pp |
| Annual return | 25.39% | 15.67%+9.7pp | 600.81%-575.4pp | 17.84%+7.5pp |
| Employer contribution / active EE | $962 | $3,599-73.3% | $4,918-80.4% | $2,790-65.5% |
| Participant deferral / active EE | $2,848 | $4,274-33.4% | $5,610-49.2% | $4,249-33.0% |
| Admin fee / account holder | $648 | $9,839-93.4% | $14,905-95.7% | $8,951-92.8% |