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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 | $13,535 | $59,839-77.4% | $81,991-83.5% | $79,852-83.0% |
| Participation rate | 43.3% | 61.6%-18.3pp | 69.3%-25.9pp | 69.6%-26.3pp |
| Annual return | 13.24% | 17.56%-4.3pp | 41.31%-28.1pp | 31.72%-18.5pp |
| Employer contribution / active EE | $710 | $1,713-58.6% | $2,498-71.6% | $2,471-71.3% |
| Participant deferral / active EE | $1,066 | $2,695-60.4% | $3,722-71.4% | $3,740-71.5% |
| Admin fee / account holder | $5,634 | $4,287+31.4% | $5,665-0.5% | $5,306+6.2% |