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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 | $10,787 | $77,638-86.1% | $156,551-93.1% | $62,881-82.8% |
| Participation rate | 48.4% | 71.2%-22.8pp | 84.0%-35.6pp | 69.3%-20.9pp |
| Annual return | 5.79% | 50.33%-44.5pp | 32.23%-26.4pp | 20.14%-14.4pp |
| Employer contribution / active EE | $726 | $3,444-78.9% | $5,501-86.8% | $2,281-68.2% |
| Participant deferral / active EE | $1,264 | $3,046-58.5% | $4,871-74.0% | $3,203-60.5% |
| Admin fee / account holder | $3,688 | $5,561-33.7% | $13,028-71.7% | $4,296-14.2% |