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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 | $10,567 | $65,395-83.8% | $182,558-94.2% | $72,976-85.5% |
| Participation rate | 29.6% | 65.4%-35.8pp | 78.0%-48.3pp | 69.5%-39.9pp |
| Annual return | 18.28% | 27.68%-9.4pp | 148.59%-130.3pp | 81.02%-62.7pp |
| Employer contribution / active EE | $370 | $1,911-80.6% | $4,076-90.9% | $2,440-84.8% |
| Participant deferral / active EE | $1,612 | $3,563-54.7% | $5,526-70.8% | $3,608-55.3% |
| Admin fee / account holder | $863 | $4,245-79.7% | $8,594-90.0% | $5,124-83.2% |