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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 | $18,579 | $117,904-84.2% | $102,457-81.9% | $145,978-87.3% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 12.74% | 31.80%-19.1pp | 29.41%-16.7pp | 550.52%-537.8pp |
| Employer contribution / active EE | $1,337 | $3,613-63.0% | $3,022-55.8% | $4,662-71.3% |
| Participant deferral / active EE | $3,030 | $5,733-47.2% | $5,054-40.1% | $6,690-54.7% |
| Admin fee / account holder | $2,629 | $13,329-80.3% | $9,451-72.2% | $13,400-80.4% |