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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 | $14,335 | $59,804-76.0% | $81,982-82.5% | $79,856-82.0% |
| Participation rate | 41.8% | 61.6%-19.8pp | 69.3%-27.4pp | 69.6%-27.8pp |
| Annual return | 15.73% | 17.56%-1.8pp | 41.31%-25.6pp | 31.71%-16.0pp |
| Employer contribution / active EE | $668 | $1,713-61.0% | $2,498-73.3% | $2,471-73.0% |
| Participant deferral / active EE | $1,461 | $2,695-45.8% | $3,722-60.8% | $3,741-60.9% |
| Admin fee / account holder | $1,097 | $4,288-74.4% | $5,665-80.6% | $5,306-79.3% |