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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 | $14,118 | $53,774-73.7% | $134,162-89.5% | $79,856-82.3% |
| Participation rate | 43.2% | 58.8%-15.5pp | 72.2%-28.9pp | 69.6%-26.4pp |
| Annual return | 17.31% | 19.01%-1.7pp | 36.35%-19.0pp | 31.71%-14.4pp |
| Employer contribution / active EE | $993 | $1,322-24.9% | $3,705-73.2% | $2,471-59.8% |
| Participant deferral / active EE | $1,418 | $2,420-41.4% | $3,500-59.5% | $3,741-62.1% |
| Admin fee / account holder | $606 | $3,985-84.8% | $6,685-90.9% | $5,306-88.6% |