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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 | $18,578 | $184,014-89.9% | $161,149-88.5% | $138,895-86.6% |
| Participation rate | 44.4% | 82.1%-37.6pp | 78.8%-34.4pp | 79.9%-35.5pp |
| Annual return | 17.41% | 21.52%-4.1pp | 21.16%-3.8pp | 145.39%-128.0pp |
| Employer contribution / active EE | $2,700 | $5,055-46.6% | $4,360-38.1% | $4,194-35.6% |
| Participant deferral / active EE | $3,837 | $6,909-44.5% | $6,153-37.6% | $6,396-40.0% |
| Admin fee / account holder | $10,019 | $18,027-44.4% | $15,194-34.1% | $12,562-20.2% |