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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 | $12,121 | $118,496-89.8% | $98,461-87.7% | $139,466-91.3% |
| Participation rate | 57.9% | 77.5%-19.6pp | 75.2%-17.3pp | 80.3%-22.4pp |
| Annual return | 25.72% | 18.96%+6.8pp | 21.17%+4.5pp | 373.66%-347.9pp |
| Employer contribution / active EE | $1,268 | $3,611-64.9% | $3,049-58.4% | $4,754-73.3% |
| Participant deferral / active EE | $1,458 | $5,393-73.0% | $4,738-69.2% | $6,712-78.3% |
| Admin fee / account holder | $499 | $14,056-96.4% | $8,961-94.4% | $11,409-95.6% |