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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 | $11,654 | $91,179-87.2% | $178,499-93.5% | $79,852-85.4% |
| Participation rate | 57.1% | 69.2%-12.1pp | 81.9%-24.8pp | 69.6%-12.5pp |
| Annual return | 16.44% | 24.19%-7.8pp | 151.10%-134.7pp | 31.72%-15.3pp |
| Employer contribution / active EE | $1,078 | $3,256-66.9% | $5,011-78.5% | $2,471-56.4% |
| Participant deferral / active EE | $1,672 | $3,236-48.3% | $5,202-67.9% | $3,740-55.3% |
| Admin fee / account holder | $3,841 | $6,749-43.1% | $13,986-72.5% | $5,306-27.6% |