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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 | $12,195 | $93,345-86.9% | $119,126-89.8% | $87,485-86.1% |
| Participation rate | 45.5% | 68.7%-23.3pp | 75.8%-30.3pp | 68.9%-23.5pp |
| Annual return | 17.63% | 19.08%-1.4pp | 282.11%-264.5pp | 26.06%-8.4pp |
| Employer contribution / active EE | $1,005 | $3,172-68.3% | $4,034-75.1% | $2,596-61.3% |
| Participant deferral / active EE | $2,115 | $4,099-48.4% | $5,318-60.2% | $4,274-50.5% |
| Admin fee / account holder | $300 | $8,039-96.3% | $10,693-97.2% | $7,775-96.1% |