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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 | $13,412 | $65,703-79.6% | $94,228-85.8% | $59,633-77.5% |
| Participation rate | 58.5% | 72.1%-13.6pp | 78.8%-20.3pp | 68.7%-10.2pp |
| Annual return | 3.46% | 5.22%-1.8pp | 10.68%-7.2pp | 2041.40%-2037.9pp |
| Employer contribution / active EE | $1,616 | $2,021-20.0% | $3,587-55.0% | $2,203-26.6% |
| Participant deferral / active EE | $2,125 | $3,143-32.4% | $4,320-50.8% | $3,192-33.4% |
| Admin fee / account holder | $2,008 | $4,264-52.9% | $6,269-68.0% | $4,297-53.3% |