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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 | $10,005 | $54,213-81.5% | $93,696-89.3% | $77,736-87.1% |
| Participation rate | 33.0% | 64.0%-30.9pp | 68.7%-35.7pp | 70.6%-37.5pp |
| Annual return | 18.59% | 30.55%-12.0pp | 133.74%-115.2pp | 31.26%-12.7pp |
| Employer contribution / active EE | $725 | $1,168-38.0% | $2,422-70.1% | $2,728-73.4% |
| Participant deferral / active EE | $1,502 | $3,145-52.2% | $4,417-66.0% | $4,651-67.7% |
| Admin fee / account holder | $876 | $575+52.4% | $8,287-89.4% | $433+102.1% |