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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 | $12,026 | $61,391-80.4% | $149,723-92.0% | $71,529-83.2% |
| Participation rate | 47.8% | 62.5%-14.7pp | 78.8%-31.0pp | 67.9%-20.2pp |
| Annual return | 17.64% | 35.88%-18.2pp | 134.50%-116.9pp | 28.97%-11.3pp |
| Employer contribution / active EE | $759 | $2,384-68.1% | $4,821-84.2% | $2,590-70.7% |
| Participant deferral / active EE | $1,047 | $2,921-64.2% | $5,682-81.6% | $4,291-75.6% |
| Admin fee / account holder | $3,151 | $1,264+149.2% | $13,215-76.2% | $1,588+98.4% |