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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 | $14,178 | $129,737-89.1% | $119,126-88.1% | $154,746-90.8% |
| Participation rate | 46.2% | 78.9%-32.7pp | 75.8%-29.6pp | 80.7%-34.5pp |
| Annual return | 31.34% | 379.08%-347.7pp | 282.11%-250.8pp | 172.34%-141.0pp |
| Employer contribution / active EE | $1,403 | $4,375-67.9% | $4,034-65.2% | $4,379-68.0% |
| Participant deferral / active EE | $2,685 | $5,842-54.0% | $5,318-49.5% | $6,730-60.1% |
| Admin fee / account holder | $1,318 | $11,961-89.0% | $10,693-87.7% | $14,365-90.8% |