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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 | $14,780 | $56,894-74.0% | $84,753-82.6% | $62,881-76.5% |
| Participation rate | 60.7% | 68.5%-7.8pp | 76.6%-15.9pp | 69.3%-8.6pp |
| Annual return | 5.29% | 6.30%-1.0pp | 22.78%-17.5pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,005 | $2,400-58.1% | $3,574-71.9% | $2,281-56.0% |
| Participant deferral / active EE | $2,599 | $2,709-4.1% | $3,712-30.0% | $3,203-18.9% |
| Admin fee / account holder | $1,689 | $3,581-52.8% | $5,333-68.3% | $4,296-60.7% |