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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 | $15,976 | $65,027-75.4% | $90,970-82.4% | $79,852-80.0% |
| Participation rate | 54.5% | 61.6%-7.1pp | 69.0%-14.5pp | 69.6%-15.1pp |
| Annual return | 18.92% | 30.45%-11.5pp | 134.58%-115.7pp | 31.72%-12.8pp |
| Employer contribution / active EE | $835 | $1,247-33.1% | $2,122-60.7% | $2,471-66.2% |
| Participant deferral / active EE | $1,260 | $2,512-49.8% | $3,373-62.6% | $3,740-66.3% |
| Admin fee / account holder | $751 | $4,535-83.4% | $5,960-87.4% | $5,306-85.8% |