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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 | $12,068 | $102,429-88.2% | $147,096-91.8% | $80,925-85.1% |
| Participation rate | 63.3% | 75.9%-12.5pp | 82.2%-18.8pp | 67.7%-4.3pp |
| Annual return | 14.82% | 135.02%-120.2pp | 419.75%-404.9pp | 35.65%-20.8pp |
| Employer contribution / active EE | $1,481 | $3,716-60.1% | $4,936-70.0% | $2,756-46.3% |
| Participant deferral / active EE | $4,014 | $6,649-39.6% | $8,071-50.3% | $4,299-6.6% |
| Admin fee / account holder | $1,679 | $7,957-78.9% | $13,005-87.1% | $6,940-75.8% |