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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 | $18,167 | $70,435-74.2% | $96,575-81.2% | $85,856-78.8% |
| Participation rate | 40.5% | 61.8%-21.3pp | 69.8%-29.3pp | 69.3%-28.8pp |
| Annual return | 13.24% | 18.59%-5.3pp | 37.79%-24.5pp | 318.58%-305.3pp |
| Employer contribution / active EE | $476 | $1,413-66.3% | $2,357-79.8% | $2,565-81.4% |
| Participant deferral / active EE | $3,433 | $2,894+18.6% | $3,849-10.8% | $3,952-13.1% |
| Admin fee / account holder | $1,383 | $4,997-72.3% | $6,182-77.6% | $6,261-77.9% |