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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 | $15,429 | $105,623-85.4% | $87,502-82.4% | $273,972-94.4% |
| Participation rate | 65.2% | 78.2%-13.0pp | 73.8%-8.6pp | 83.0%-17.8pp |
| Annual return | 6.25% | 12.26%-6.0pp | 12.21%-6.0pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,197 | $3,141-61.9% | $2,550-53.1% | $4,869-75.4% |
| Participant deferral / active EE | $2,054 | $3,601-43.0% | $3,149-34.8% | $5,287-61.2% |
| Admin fee / account holder | $370 | $4,781-92.3% | $4,221-91.2% | $10,133-96.4% |