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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 | $10,331 | $117,846-91.2% | $102,434-89.9% | $145,884-92.9% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 25.43% | 31.90%-6.5pp | 29.46%-4.0pp | 551.85%-526.4pp |
| Employer contribution / active EE | $1,274 | $3,615-64.8% | $3,023-57.9% | $4,662-72.7% |
| Participant deferral / active EE | $2,779 | $5,733-51.5% | $5,055-45.0% | $6,690-58.5% |
| Admin fee / account holder | $908 | $13,356-93.2% | $9,462-90.4% | $13,392-93.2% |