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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 | $15,787 | $76,551-79.4% | $123,894-87.3% | $62,881-74.9% |
| Participation rate | 44.0% | 73.0%-29.0pp | 81.4%-37.4pp | 69.3%-25.3pp |
| Annual return | 15.20% | 18.68%-3.5pp | 47.52%-32.3pp | 20.14%-4.9pp |
| Employer contribution / active EE | $939 | $2,882-67.4% | $4,617-79.7% | $2,281-58.8% |
| Participant deferral / active EE | $2,429 | $4,840-49.8% | $5,984-59.4% | $3,203-24.2% |
| Admin fee / account holder | $9,009 | $4,826+86.7% | $8,357+7.8% | $4,296+109.7% |