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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 | $12,793 | $78,707-83.7% | $117,861-89.1% | $70,126-81.8% |
| Participation rate | 55.3% | 73.2%-17.9pp | 79.7%-24.3pp | 69.5%-14.2pp |
| Annual return | 19.00% | 23.30%-4.3pp | 335.11%-316.1pp | 73.15%-54.1pp |
| Employer contribution / active EE | $563 | $2,223-74.7% | $3,786-85.1% | $2,343-76.0% |
| Participant deferral / active EE | $1,741 | $3,297-47.2% | $4,482-61.1% | $3,332-47.7% |
| Admin fee / account holder | $1,509 | $5,066-70.2% | $8,021-81.2% | $4,645-67.5% |