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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 | $11,049 | $52,279-78.9% | $89,414-87.6% | $79,852-86.2% |
| Participation rate | 50.0% | 57.5%-7.5pp | 68.0%-18.0pp | 69.6%-19.6pp |
| Annual return | 13.03% | 22.16%-9.1pp | 245.50%-232.5pp | 31.72%-18.7pp |
| Employer contribution / active EE | $963 | $1,572-38.7% | $2,586-62.8% | $2,471-61.0% |
| Participant deferral / active EE | $1,197 | $2,740-56.3% | $3,890-69.2% | $3,740-68.0% |
| Admin fee / account holder | $1,980 | $3,356-41.0% | $4,883-59.5% | $5,306-62.7% |