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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 | $11,277 | $79,223-85.8% | $102,460-89.0% | $74,478-84.9% |
| Participation rate | 55.0% | 74.8%-19.8pp | 76.5%-21.5pp | 67.2%-12.2pp |
| Annual return | 29.14% | 54.98%-25.8pp | 29.47%-0.3pp | 1370.56%-1341.4pp |
| Employer contribution / active EE | $1,276 | $2,363-46.0% | $3,025-57.8% | $2,626-51.4% |
| Participant deferral / active EE | $2,278 | $4,417-48.4% | $5,056-54.9% | $4,350-47.6% |
| Admin fee / account holder | $1,687 | $2,003-15.8% | $9,460-82.2% | $1,946-13.3% |