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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 | $12,875 | $98,240-86.9% | $82,312-84.4% | $147,586-91.3% |
| Participation rate | 50.0% | 79.7%-29.7pp | 76.9%-26.9pp | 82.8%-32.8pp |
| Annual return | 29.80% | 30.85%-1.1pp | 25.88%+3.9pp | 578.59%-548.8pp |
| Employer contribution / active EE | $601 | $3,192-81.2% | $2,428-75.2% | $4,876-87.7% |
| Participant deferral / active EE | $3,967 | $4,383-9.5% | $3,706+7.0% | $5,439-27.1% |
| Admin fee / account holder | $956 | $8,563-88.8% | $5,608-83.0% | $10,886-91.2% |