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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 | $13,626 | $84,236-83.8% | $170,435-92.0% | $70,126-80.6% |
| Participation rate | 47.3% | 70.8%-23.6pp | 83.6%-36.3pp | 69.5%-22.3pp |
| Annual return | 23.08% | 23.06%0pp | 205.94%-182.9pp | 73.15%-50.1pp |
| Employer contribution / active EE | $1,223 | $3,387-63.9% | $5,432-77.5% | $2,343-47.8% |
| Participant deferral / active EE | $2,478 | $3,086-19.7% | $4,939-49.8% | $3,332-25.6% |
| Admin fee / account holder | $1,066 | $5,698-81.3% | $13,881-92.3% | $4,645-77.1% |