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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 | $11,438 | $65,034-82.4% | $90,970-87.4% | $79,856-85.7% |
| Participation rate | 57.0% | 61.6%-4.7pp | 69.0%-12.1pp | 69.6%-12.7pp |
| Annual return | 19.29% | 30.45%-11.2pp | 134.60%-115.3pp | 31.71%-12.4pp |
| Employer contribution / active EE | $793 | $1,247-36.4% | $2,122-62.6% | $2,471-67.9% |
| Participant deferral / active EE | $2,147 | $2,512-14.5% | $3,373-36.3% | $3,741-42.6% |
| Admin fee / account holder | $1,959 | $4,536-56.8% | $5,961-67.1% | $5,306-63.1% |