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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 | $9,968 | $80,763-87.7% | $102,412-90.3% | $74,459-86.6% |
| Participation rate | 55.8% | 65.7%-9.9pp | 74.5%-18.7pp | 67.2%-11.4pp |
| Annual return | 13.45% | 27.57%-14.1pp | 24.94%-11.5pp | 1369.70%-1356.2pp |
| Employer contribution / active EE | $908 | $3,160-71.3% | $3,870-76.5% | $2,626-65.4% |
| Participant deferral / active EE | $2,261 | $3,862-41.4% | $5,060-55.3% | $4,350-48.0% |
| Admin fee / account holder | $1,140 | $2,371-51.9% | $8,388-86.4% | $1,945-41.4% |