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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 | $12,572 | $106,864-88.2% | $147,318-91.5% | $82,637-84.8% |
| Participation rate | 44.1% | 75.5%-31.4pp | 82.1%-37.9pp | 68.1%-23.9pp |
| Annual return | 23.95% | 27.49%-3.5pp | 70.43%-46.5pp | 53.51%-29.6pp |
| Employer contribution / active EE | $1,292 | $3,417-62.2% | $4,593-71.9% | $2,552-49.4% |
| Participant deferral / active EE | $2,865 | $6,496-55.9% | $7,906-63.8% | $4,126-30.6% |
| Admin fee / account holder | $1,808 | $8,415-78.5% | $13,708-86.8% | $7,339-75.4% |