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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 | $12,037 | $68,880-82.5% | $120,580-90.0% | $80,959-85.1% |
| Participation rate | 57.6% | 61.7%-4.1pp | 72.0%-14.4pp | 67.7%-10.1pp |
| Annual return | 13.66% | 23.68%-10.0pp | 107.48%-93.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $851 | $2,066-58.8% | $3,469-75.5% | $2,757-69.1% |
| Participant deferral / active EE | $1,225 | $3,191-61.6% | $4,995-75.5% | $4,300-71.5% |
| Admin fee / account holder | $578 | $5,785-90.0% | $9,418-93.9% | $6,925-91.7% |