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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 | $16,199 | $72,027-77.5% | $185,835-91.3% | $79,852-79.7% |
| Participation rate | 40.0% | 65.8%-25.8pp | 78.0%-38.0pp | 69.6%-29.6pp |
| Annual return | 75.11% | 23.13%+52.0pp | 35.96%+39.2pp | 31.72%+43.4pp |
| Employer contribution / active EE | $736 | $1,965-62.5% | $4,087-82.0% | $2,471-70.2% |
| Participant deferral / active EE | $1,907 | $3,780-49.5% | $5,633-66.1% | $3,740-49.0% |
| Admin fee / account holder | $896 | $4,513-80.1% | $9,502-90.6% | $5,306-83.1% |