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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 | $14,862 | $44,425-66.5% | $67,834-78.1% | $55,167-73.1% |
| Participation rate | 37.6% | 59.7%-22.1pp | 68.8%-31.2pp | 69.0%-31.4pp |
| Annual return | 10.42% | 17.80%-7.4pp | 138.47%-128.1pp | 169.23%-158.8pp |
| Employer contribution / active EE | $1,180 | $1,351-12.7% | $2,403-50.9% | $1,963-39.9% |
| Participant deferral / active EE | $1,610 | $2,166-25.6% | $3,160-49.0% | $3,054-47.3% |
| Admin fee / account holder | $536 | $530+1.1% | $4,622-88.4% | $504+6.5% |