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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 | $12,305 | $47,922-74.3% | $75,900-83.8% | $65,186-81.1% |
| Participation rate | 34.3% | 63.0%-28.7pp | 69.3%-35.0pp | 70.2%-35.9pp |
| Annual return | 71.49% | 24.12%+47.4pp | 30.73%+40.8pp | 29.39%+42.1pp |
| Employer contribution / active EE | $819 | $1,557-47.4% | $2,501-67.2% | $2,177-62.4% |
| Participant deferral / active EE | $1,101 | $2,550-56.8% | $3,604-69.4% | $3,514-68.7% |
| Admin fee / account holder | $1,717 | $532+223.0% | $5,421-68.3% | $847+102.6% |