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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 | $12,635 | $71,230-82.3% | $93,727-86.5% | $80,959-84.4% |
| Participation rate | 29.7% | 60.4%-30.7pp | 68.7%-39.0pp | 67.7%-37.9pp |
| Annual return | 15.32% | 11.26%+4.1pp | 133.83%-118.5pp | 35.67%-20.4pp |
| Employer contribution / active EE | $608 | $1,565-61.1% | $2,421-74.9% | $2,757-77.9% |
| Participant deferral / active EE | $1,418 | $4,037-64.9% | $4,417-67.9% | $4,300-67.0% |
| Admin fee / account holder | $2,985 | $6,961-57.1% | $8,292-64.0% | $6,925-56.9% |