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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 | $12,181 | $48,078-74.7% | $78,676-84.5% | $62,881-80.6% |
| Participation rate | 25.0% | 65.2%-40.2pp | 73.6%-48.6pp | 69.3%-44.3pp |
| Annual return | 16.06% | 31.36%-15.3pp | 62.19%-46.1pp | 20.14%-4.1pp |
| Employer contribution / active EE | $734 | $2,015-63.6% | $2,850-74.3% | $2,281-67.8% |
| Participant deferral / active EE | $1,606 | $2,587-37.9% | $3,517-54.3% | $3,203-49.9% |
| Admin fee / account holder | $678 | $3,206-78.9% | $4,510-85.0% | $4,296-84.2% |