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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 | $18,858 | $153,311-87.7% | $109,313-82.7% | $273,972-93.1% |
| Participation rate | 66.7% | 80.1%-13.4pp | 71.3%-4.6pp | 83.0%-16.3pp |
| Annual return | 7.93% | 29.86%-21.9pp | 22.07%-14.1pp | 41.46%-33.5pp |
| Employer contribution / active EE | $814 | $5,619-85.5% | $3,892-79.1% | $4,869-83.3% |
| Participant deferral / active EE | $5,095 | $3,932+29.6% | $3,166+60.9% | $5,287-3.6% |
| Admin fee / account holder | $5,098 | $8,076-36.9% | $5,666-10.0% | $10,133-49.7% |