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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 | $16,892 | $96,558-82.5% | $80,977-79.1% | $273,972-93.8% |
| Participation rate | 31.6% | 79.1%-47.5pp | 75.8%-44.2pp | 83.0%-51.4pp |
| Annual return | 118.95% | 15.14%+103.8pp | 17.11%+101.8pp | 41.46%+77.5pp |
| Employer contribution / active EE | $1,053 | $4,869-78.4% | $3,715-71.7% | $4,869-78.4% |
| Participant deferral / active EE | $2,374 | $6,598-64.0% | $5,696-58.3% | $5,287-55.1% |
| Admin fee / account holder | $1,414 | $7,493-81.1% | $5,517-74.4% | $10,133-86.0% |