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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 | $16,978 | $61,660-72.5% | $80,022-78.8% | $64,173-73.5% |
| Participation rate | 55.0% | 71.7%-16.7pp | 75.8%-20.8pp | 69.6%-14.6pp |
| Annual return | 0.19% | -0.33%+0.5pp | 11.22%-11.0pp | 7.63%-7.4pp |
| Employer contribution / active EE | $1,170 | $1,810-35.4% | $2,468-52.6% | $2,381-50.9% |
| Participant deferral / active EE | $2,120 | $2,968-28.6% | $3,686-42.5% | $3,470-38.9% |
| Admin fee / account holder | $1,740 | $5,417-67.9% | $6,521-73.3% | $4,887-64.4% |