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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 | $11,896 | $85,171-86.0% | $172,752-93.1% | $72,975-83.7% |
| Participation rate | 38.8% | 70.1%-31.2pp | 82.6%-43.8pp | 69.5%-30.7pp |
| Annual return | 16.36% | 27.32%-11.0pp | 802.97%-786.6pp | 81.01%-64.7pp |
| Employer contribution / active EE | $797 | $3,324-76.0% | $5,144-84.5% | $2,440-67.3% |
| Participant deferral / active EE | $2,378 | $3,260-27.0% | $5,198-54.2% | $3,608-34.1% |
| Admin fee / account holder | $4,556 | $5,880-22.5% | $13,955-67.4% | $5,124-11.1% |