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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 | $14,527 | $227,597-93.6% | $189,575-92.3% | $167,536-91.3% |
| Participation rate | 30.8% | 82.5%-51.7pp | 78.4%-47.7pp | 82.1%-51.3pp |
| Annual return | 12.99% | 78.44%-65.4pp | 64.19%-51.2pp | 478.82%-465.8pp |
| Employer contribution / active EE | $1,427 | $5,316-73.2% | $4,412-67.7% | $4,839-70.5% |
| Participant deferral / active EE | $4,574 | $7,002-34.7% | $6,174-25.9% | $6,342-27.9% |
| Admin fee / account holder | $8,864 | $11,877-25.4% | $9,806-9.6% | $12,315-28.0% |