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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 | $15,614 | $67,602-76.9% | $82,312-81.0% | $70,126-77.7% |
| Participation rate | 34.5% | 72.8%-38.3pp | 76.9%-42.4pp | 69.5%-35.1pp |
| Annual return | 18.92% | 21.57%-2.6pp | 25.88%-7.0pp | 73.15%-54.2pp |
| Employer contribution / active EE | $738 | $1,755-58.0% | $2,428-69.6% | $2,343-68.5% |
| Participant deferral / active EE | $1,675 | $2,987-43.9% | $3,706-54.8% | $3,332-49.7% |
| Admin fee / account holder | $1,149 | $4,512-74.5% | $5,608-79.5% | $4,645-75.3% |