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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 | $9,709 | $63,433-84.7% | $63,803-84.8% | $64,097-84.9% |
| Participation rate | 50.0% | 65.0%-15.0pp | 72.7%-22.7pp | 55.2%-5.2pp |
| Annual return | 15.35% | 20.74%-5.4pp | 543.72%-528.4pp | 34.64%-19.3pp |
| Employer contribution / active EE | $911 | $2,332-60.9% | $2,532-64.0% | $1,891-51.8% |
| Participant deferral / active EE | $1,206 | $3,119-61.3% | $3,843-68.6% | $3,080-60.9% |
| Admin fee / account holder | $936 | $1,489-37.2% | $5,196-82.0% | $3,454-72.9% |