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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 | $14,106 | $93,345-84.9% | $119,126-88.2% | $87,485-83.9% |
| Participation rate | 60.0% | 68.7%-8.7pp | 75.8%-15.8pp | 68.9%-8.9pp |
| Annual return | 16.62% | 19.08%-2.5pp | 282.11%-265.5pp | 26.06%-9.4pp |
| Employer contribution / active EE | $868 | $3,172-72.6% | $4,034-78.5% | $2,596-66.6% |
| Participant deferral / active EE | $2,141 | $4,099-47.8% | $5,318-59.7% | $4,274-49.9% |
| Admin fee / account holder | $1,204 | $8,039-85.0% | $10,693-88.7% | $7,775-84.5% |