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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 | $16,465 | $76,564-78.5% | $105,582-84.4% | $94,015-82.5% |
| Participation rate | 39.2% | 65.2%-26.0pp | 71.8%-32.6pp | 70.8%-31.6pp |
| Annual return | 16.26% | 20.69%-4.4pp | 18.61%-2.4pp | 17.84%-1.6pp |
| Employer contribution / active EE | $451 | $1,995-77.4% | $2,984-84.9% | $2,790-83.8% |
| Participant deferral / active EE | $1,792 | $3,320-46.0% | $4,353-58.8% | $4,249-57.8% |
| Admin fee / account holder | $7,854 | $7,129+10.2% | $12,856-38.9% | $8,951-12.3% |