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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 | $14,393 | $71,197-79.8% | $93,669-84.6% | $80,925-82.2% |
| Participation rate | 48.8% | 60.4%-11.6pp | 68.7%-19.9pp | 67.7%-18.9pp |
| Annual return | 104.05% | 11.27%+92.8pp | 133.59%-29.5pp | 35.65%+68.4pp |
| Employer contribution / active EE | $819 | $1,565-47.7% | $2,424-66.2% | $2,756-70.3% |
| Participant deferral / active EE | $2,527 | $4,036-37.4% | $4,416-42.8% | $4,299-41.2% |
| Admin fee / account holder | $581 | $6,959-91.7% | $8,291-93.0% | $6,940-91.6% |