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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 | $12,701 | $48,570-73.9% | $130,660-90.3% | $72,975-82.6% |
| Participation rate | 55.6% | 58.6%-3.0pp | 71.7%-16.2pp | 69.5%-13.9pp |
| Annual return | 17.73% | 38.63%-20.9pp | 1709.29%-1691.6pp | 81.01%-63.3pp |
| Employer contribution / active EE | $328 | $1,334-75.4% | $4,092-92.0% | $2,440-86.5% |
| Participant deferral / active EE | $993 | $2,384-58.4% | $3,603-72.5% | $3,608-72.5% |
| Admin fee / account holder | $707 | $3,549-80.1% | $5,463-87.1% | $5,124-86.2% |