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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 | $14,301 | $63,861-77.6% | $104,614-86.3% | $79,858-82.1% |
| Participation rate | 34.2% | 64.9%-30.7pp | 74.1%-39.9pp | 69.6%-35.4pp |
| Annual return | 17.74% | 21.30%-3.6pp | 340.56%-322.8pp | 31.72%-14.0pp |
| Employer contribution / active EE | $434 | $1,588-72.7% | $2,681-83.8% | $2,471-82.4% |
| Participant deferral / active EE | $1,298 | $2,693-51.8% | $3,739-65.3% | $3,740-65.3% |
| Admin fee / account holder | $1,000 | $4,185-76.1% | $6,464-84.5% | $5,306-81.2% |