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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 | $13,239 | $71,197-81.4% | $93,669-85.9% | $80,925-83.6% |
| Participation rate | 36.9% | 60.4%-23.5pp | 68.7%-31.8pp | 67.7%-30.8pp |
| Annual return | 9.99% | 11.27%-1.3pp | 133.59%-123.6pp | 35.65%-25.7pp |
| Employer contribution / active EE | $376 | $1,565-76.0% | $2,424-84.5% | $2,756-86.4% |
| Participant deferral / active EE | $1,323 | $4,036-67.2% | $4,416-70.0% | $4,299-69.2% |
| Admin fee / account holder | $3,015 | $6,959-56.7% | $8,291-63.6% | $6,940-56.6% |