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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 | $15,012 | $87,733-82.9% | $106,554-85.9% | $85,851-82.5% |
| Participation rate | 50.0% | 71.9%-21.9pp | 76.1%-26.1pp | 69.3%-19.3pp |
| Annual return | 15.06% | 21.86%-6.8pp | 26.80%-11.7pp | 318.63%-303.6pp |
| Employer contribution / active EE | $723 | $2,073-65.1% | $2,819-74.3% | $2,565-71.8% |
| Participant deferral / active EE | $1,583 | $3,469-54.4% | $4,398-64.0% | $3,952-59.9% |
| Admin fee / account holder | $685 | $6,767-89.9% | $7,408-90.8% | $6,261-89.1% |