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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 | $12,580 | $89,367-85.9% | $141,191-91.1% | $72,975-82.8% |
| Participation rate | 33.3% | 75.1%-41.8pp | 82.5%-49.1pp | 69.5%-36.2pp |
| Annual return | 32.22% | 111.87%-79.6pp | 71.41%-39.2pp | 81.01%-48.8pp |
| Employer contribution / active EE | $1,200 | $3,115-61.5% | $4,736-74.7% | $2,440-50.8% |
| Participant deferral / active EE | $2,497 | $5,419-53.9% | $6,710-62.8% | $3,608-30.8% |
| Admin fee / account holder | $625 | $5,957-89.5% | $10,264-93.9% | $5,124-87.8% |