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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 | $11,049 | $69,977-84.2% | $108,582-89.8% | $62,881-82.4% |
| Participation rate | 40.9% | 72.9%-32.0pp | 79.6%-38.7pp | 69.3%-28.4pp |
| Annual return | 9.83% | 10.73%-0.9pp | -51.70%+61.5pp | 20.14%-10.3pp |
| Employer contribution / active EE | $1,505 | $2,135-29.5% | $3,758-60.0% | $2,281-34.0% |
| Participant deferral / active EE | $1,803 | $3,165-43.0% | $4,311-58.2% | $3,203-43.7% |
| Admin fee / account holder | $3,790 | $5,076-25.3% | $7,645-50.4% | $4,296-11.8% |