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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 | $11,889 | $54,690-78.3% | $76,030-84.4% | $74,478-84.0% |
| Participation rate | 27.4% | 60.3%-32.9pp | 69.1%-41.7pp | 67.2%-39.8pp |
| Annual return | 12.59% | 31.92%-19.3pp | 361.54%-348.9pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $389 | $1,781-78.2% | $2,688-85.5% | $2,626-85.2% |
| Participant deferral / active EE | $1,244 | $3,070-59.5% | $4,257-70.8% | $4,350-71.4% |
| Admin fee / account holder | $478 | $2,240-78.7% | $6,421-92.6% | $1,946-75.4% |