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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 | $11,735 | $54,690-78.5% | $76,030-84.6% | $74,478-84.2% |
| Participation rate | 36.9% | 60.3%-23.4pp | 69.1%-32.2pp | 67.2%-30.3pp |
| Annual return | 29.07% | 31.92%-2.8pp | 361.54%-332.5pp | 1370.56%-1341.5pp |
| Employer contribution / active EE | $505 | $1,781-71.7% | $2,688-81.2% | $2,626-80.8% |
| Participant deferral / active EE | $1,005 | $3,070-67.3% | $4,257-76.4% | $4,350-76.9% |
| Admin fee / account holder | $2,502 | $2,240+11.7% | $6,421-61.0% | $1,946+28.6% |