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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 | $13,238 | $59,839-77.9% | $81,991-83.9% | $79,852-83.4% |
| Participation rate | 52.1% | 61.6%-9.5pp | 69.3%-17.1pp | 69.6%-17.5pp |
| Annual return | 14.08% | 17.56%-3.5pp | 41.31%-27.2pp | 31.72%-17.6pp |
| Employer contribution / active EE | $1,235 | $1,713-27.9% | $2,498-50.6% | $2,471-50.0% |
| Participant deferral / active EE | $2,122 | $2,695-21.3% | $3,722-43.0% | $3,740-43.3% |
| Admin fee / account holder | $2,875 | $4,287-32.9% | $5,665-49.3% | $5,306-45.8% |