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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 | $13,820 | $176,402-92.2% | $134,162-89.7% | $158,966-91.3% |
| Participation rate | 40.0% | 78.7%-38.7pp | 72.2%-32.2pp | 82.0%-42.0pp |
| Annual return | 18.28% | 63.66%-45.4pp | 36.35%-18.1pp | 302.95%-284.7pp |
| Employer contribution / active EE | $766 | $5,042-84.8% | $3,705-79.3% | $4,762-83.9% |
| Participant deferral / active EE | $1,227 | $4,093-70.0% | $3,500-64.9% | $5,983-79.5% |
| Admin fee / account holder | $626 | $8,719-92.8% | $6,685-90.6% | $11,250-94.4% |