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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 | $16,969 | $105,623-83.9% | $87,502-80.6% | $273,972-93.8% |
| Participation rate | 29.2% | 78.2%-49.0pp | 73.8%-44.7pp | 83.0%-53.8pp |
| Annual return | 11.63% | 12.26%-0.6pp | 12.21%-0.6pp | 41.46%-29.8pp |
| Employer contribution / active EE | $610 | $3,141-80.6% | $2,550-76.1% | $4,869-87.5% |
| Participant deferral / active EE | $1,028 | $3,601-71.5% | $3,149-67.4% | $5,287-80.6% |
| Admin fee / account holder | $1,185 | $4,781-75.2% | $4,221-71.9% | $10,133-88.3% |