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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 | $10,560 | $52,961-80.1% | $172,752-93.9% | $65,185-83.8% |
| Participation rate | 44.1% | 66.2%-22.1pp | 82.6%-38.5pp | 70.2%-26.1pp |
| Annual return | 28.73% | 30.12%-1.4pp | 802.97%-774.2pp | 29.38%-0.7pp |
| Employer contribution / active EE | $890 | $2,190-59.3% | $5,144-82.7% | $2,177-59.1% |
| Participant deferral / active EE | $1,436 | $2,471-41.9% | $5,198-72.4% | $3,514-59.1% |
| Admin fee / account holder | $1,421 | $472+201.0% | $13,955-89.8% | $847+67.7% |