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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 | $13,360 | $50,902-73.8% | $155,534-91.4% | $77,736-82.8% |
| Participation rate | 30.6% | 63.1%-32.5pp | 78.2%-47.6pp | 70.6%-40.0pp |
| Annual return | 17.77% | 34.85%-17.1pp | 64.92%-47.1pp | 31.26%-13.5pp |
| Employer contribution / active EE | $396 | $1,991-80.1% | $4,675-91.5% | $2,728-85.5% |
| Participant deferral / active EE | $1,086 | $2,824-61.6% | $5,630-80.7% | $4,651-76.7% |
| Admin fee / account holder | $2,793 | $437+539.2% | $15,900-82.4% | $433+544.6% |