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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 | $16,347 | $79,894-79.5% | $135,792-88.0% | $82,637-80.2% |
| Participation rate | 45.3% | 63.0%-17.7pp | 72.6%-27.3pp | 68.1%-22.7pp |
| Annual return | 18.00% | 17.20%+0.8pp | 25.96%-8.0pp | 53.51%-35.5pp |
| Employer contribution / active EE | $772 | $2,165-64.4% | $3,496-77.9% | $2,552-69.8% |
| Participant deferral / active EE | $1,562 | $3,194-51.1% | $4,759-67.2% | $4,126-62.1% |
| Admin fee / account holder | $1,380 | $6,434-78.6% | $12,266-88.8% | $7,339-81.2% |