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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 | $13,333 | $61,356-78.3% | $149,696-91.1% | $71,511-81.4% |
| Participation rate | 32.7% | 62.5%-29.8pp | 78.8%-46.1pp | 67.9%-35.3pp |
| Annual return | 17.59% | 35.86%-18.3pp | 134.46%-116.9pp | 28.86%-11.3pp |
| Employer contribution / active EE | $507 | $2,382-78.7% | $4,821-89.5% | $2,589-80.4% |
| Participant deferral / active EE | $840 | $2,920-71.2% | $5,682-85.2% | $4,291-80.4% |
| Admin fee / account holder | $1,344 | $1,263+6.4% | $13,212-89.8% | $1,588-15.4% |