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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 | $14,717 | $65,364-77.5% | $92,909-84.2% | $72,975-79.8% |
| Participation rate | 43.8% | 68.3%-24.6pp | 76.0%-32.3pp | 69.5%-25.7pp |
| Annual return | 30.72% | 42.11%-11.4pp | 109.44%-78.7pp | 81.01%-50.3pp |
| Employer contribution / active EE | $1,005 | $2,594-61.3% | $3,653-72.5% | $2,440-58.8% |
| Participant deferral / active EE | $2,254 | $3,128-28.0% | $4,238-46.8% | $3,608-37.5% |
| Admin fee / account holder | $1,117 | $4,251-73.7% | $5,795-80.7% | $5,124-78.2% |