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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 | $12,908 | $45,109-71.4% | $85,240-84.9% | $77,762-83.4% |
| Participation rate | 17.0% | 48.7%-31.7pp | 67.5%-50.5pp | 70.6%-53.6pp |
| Annual return | 39.37% | 79.55%-40.2pp | 66.75%-27.4pp | 31.27%+8.1pp |
| Employer contribution / active EE | $433 | $1,602-73.0% | $2,735-84.2% | $2,728-84.1% |
| Participant deferral / active EE | $567 | $2,814-79.8% | $4,527-87.5% | $4,651-87.8% |
| Admin fee / account holder | $803 | $915-12.2% | $6,165-87.0% | $433+85.6% |