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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 | $50,812-73.7% | $155,602-91.4% | $77,692-82.8% |
| Participation rate | 30.6% | 63.1%-32.5pp | 78.2%-47.6pp | 70.6%-39.9pp |
| Annual return | 17.77% | 34.85%-17.1pp | 64.81%-47.0pp | 31.25%-13.5pp |
| Employer contribution / active EE | $396 | $1,989-80.1% | $4,675-91.5% | $2,726-85.5% |
| Participant deferral / active EE | $1,086 | $2,822-61.5% | $5,629-80.7% | $4,648-76.6% |
| Admin fee / account holder | $2,793 | $436+540.4% | $15,923-82.5% | $431+548.8% |