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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 | $14,340 | $48,364-70.4% | $71,796-80.0% | $62,881-77.2% |
| Participation rate | 26.8% | 60.6%-33.8pp | 69.1%-42.3pp | 69.3%-42.5pp |
| Annual return | 6.62% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $503 | $1,042-51.7% | $1,924-73.9% | $2,281-78.0% |
| Participant deferral / active EE | $1,148 | $2,091-45.1% | $2,794-58.9% | $3,203-64.2% |
| Admin fee / account holder | $1,674 | $3,771-55.6% | $4,815-65.2% | $4,296-61.0% |