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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 | $16,263 | $76,551-78.8% | $123,894-86.9% | $62,881-74.1% |
| Participation rate | 55.3% | 73.0%-17.7pp | 81.4%-26.1pp | 69.3%-14.0pp |
| Annual return | 8.80% | 18.68%-9.9pp | 47.52%-38.7pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,068 | $2,882-63.0% | $4,617-76.9% | $2,281-53.2% |
| Participant deferral / active EE | $3,021 | $4,840-37.6% | $5,984-49.5% | $3,203-5.7% |
| Admin fee / account holder | $483 | $4,826-90.0% | $8,357-94.2% | $4,296-88.7% |