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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 | $14,772 | $61,315-75.9% | $90,259-83.6% | $64,728-77.2% |
| Participation rate | 19.0% | 51.1%-32.2pp | 70.7%-51.8pp | 57.9%-38.9pp |
| Annual return | 18.56% | 19.46%-0.9pp | 18.88%-0.3pp | 49.38%-30.8pp |
| Employer contribution / active EE | $421 | $1,602-73.7% | $2,291-81.6% | $2,243-81.2% |
| Participant deferral / active EE | $769 | $2,408-68.1% | $3,827-79.9% | $2,729-71.8% |
| Admin fee / account holder | $3,171 | $1,726+83.7% | $7,267-56.4% | $1,145+176.9% |