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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 | $12,787 | $211,224-93.9% | $178,505-92.8% | $145,897-91.2% |
| Participation rate | 58.8% | 80.8%-22.0pp | 77.1%-18.3pp | 80.3%-21.5pp |
| Annual return | 14.70% | 30.28%-15.6pp | 27.16%-12.5pp | 552.29%-537.6pp |
| Employer contribution / active EE | $1,411 | $4,577-69.2% | $3,955-64.3% | $4,663-69.7% |
| Participant deferral / active EE | $1,904 | $6,966-72.7% | $6,280-69.7% | $6,689-71.5% |
| Admin fee / account holder | $2,668 | $12,109-78.0% | $10,428-74.4% | $13,390-80.1% |