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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 | $17,788 | $67,602-73.7% | $82,312-78.4% | $70,126-74.6% |
| Participation rate | 48.1% | 72.8%-24.7pp | 76.9%-28.8pp | 69.5%-21.5pp |
| Annual return | 15.33% | 21.57%-6.2pp | 25.88%-10.5pp | 73.15%-57.8pp |
| Employer contribution / active EE | $947 | $1,755-46.1% | $2,428-61.0% | $2,343-59.6% |
| Participant deferral / active EE | $2,465 | $2,987-17.5% | $3,706-33.5% | $3,332-26.0% |
| Admin fee / account holder | $996 | $4,512-77.9% | $5,608-82.2% | $4,645-78.6% |