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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 | $11,827 | $65,041-81.8% | $90,965-87.0% | $79,858-85.2% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.0%-29.0pp | 69.6%-29.6pp |
| Annual return | 23.14% | 30.45%-7.3pp | 134.57%-111.4pp | 31.72%-8.6pp |
| Employer contribution / active EE | $644 | $1,247-48.4% | $2,122-69.6% | $2,471-73.9% |
| Participant deferral / active EE | $1,314 | $2,512-47.7% | $3,373-61.0% | $3,740-64.9% |
| Admin fee / account holder | $321 | $4,536-92.9% | $5,960-94.6% | $5,306-94.0% |