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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 | $102,422-88.2% | $147,117-91.8% | $80,959-85.1% |
| Participation rate | 63.3% | 75.9%-12.5pp | 82.2%-18.9pp | 67.7%-4.3pp |
| Annual return | 14.82% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,481 | $3,717-60.2% | $4,932-70.0% | $2,757-46.3% |
| Participant deferral / active EE | $4,014 | $6,652-39.7% | $8,065-50.2% | $4,300-6.7% |
| Admin fee / account holder | $1,679 | $7,953-78.9% | $12,993-87.1% | $6,925-75.8% |