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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 | $12,483 | $77,677-83.9% | $109,173-88.6% | $79,391-84.3% |
| Participation rate | 41.0% | 67.8%-26.8pp | 75.9%-34.9pp | 70.7%-29.7pp |
| Annual return | 19.31% | 23.44%-4.1pp | 25.75%-6.4pp | 116.88%-97.6pp |
| Employer contribution / active EE | $897 | $2,798-68.0% | $3,723-75.9% | $2,428-63.1% |
| Participant deferral / active EE | $1,975 | $3,517-43.8% | $4,654-57.6% | $4,046-51.2% |
| Admin fee / account holder | $1,191 | $732+62.6% | $6,755-82.4% | $627+90.0% |