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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 | $12,593 | $43,749-71.2% | $158,223-92.0% | $65,306-80.7% |
| Participation rate | 27.3% | 56.9%-29.5pp | 79.2%-51.9pp | 57.7%-30.3pp |
| Annual return | 15.72% | 19.41%-3.7pp | 52.09%-36.4pp | 21.94%-6.2pp |
| Employer contribution / active EE | $492 | $1,497-67.2% | $4,109-88.0% | $1,967-75.0% |
| Participant deferral / active EE | $894 | $2,019-55.7% | $5,467-83.6% | $2,959-69.8% |
| Admin fee / account holder | $756 | $1,930-60.8% | $16,047-95.3% | $3,480-78.3% |