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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 | $15,831 | $60,349-73.8% | $74,184-78.7% | $62,881-74.8% |
| Participation rate | 50.7% | 72.7%-22.0pp | 76.6%-25.9pp | 69.3%-18.6pp |
| Annual return | 11.80% | 21.38%-9.6pp | 17.74%-5.9pp | 20.14%-8.3pp |
| Employer contribution / active EE | $1,563 | $1,680-7.0% | $2,370-34.0% | $2,281-31.5% |
| Participant deferral / active EE | $2,944 | $2,856+3.1% | $3,550-17.1% | $3,203-8.1% |
| Admin fee / account holder | $447 | $4,261-89.5% | $5,586-92.0% | $4,296-89.6% |