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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 | $10,036 | $117,846-91.5% | $102,434-90.2% | $145,884-93.1% |
| Participation rate | 62.5% | 78.6%-16.1pp | 76.5%-14.0pp | 80.3%-17.8pp |
| Annual return | 11.43% | 31.90%-20.5pp | 29.46%-18.0pp | 551.85%-540.4pp |
| Employer contribution / active EE | $1,318 | $3,615-63.5% | $3,023-56.4% | $4,662-71.7% |
| Participant deferral / active EE | $1,943 | $5,733-66.1% | $5,055-61.6% | $6,690-71.0% |
| Admin fee / account holder | $4,471 | $13,356-66.5% | $9,462-52.7% | $13,392-66.6% |