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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 | $13,847 | $88,707-84.4% | $74,185-81.3% | $273,970-94.9% |
| Participation rate | 62.5% | 79.4%-16.9pp | 76.6%-14.1pp | 83.0%-20.5pp |
| Annual return | 7.89% | 11.94%-4.1pp | 17.74%-9.8pp | 41.46%-33.6pp |
| Employer contribution / active EE | $641 | $3,159-79.7% | $2,370-72.9% | $4,869-86.8% |
| Participant deferral / active EE | $4,623 | $4,212+9.8% | $3,550+30.2% | $5,287-12.6% |
| Admin fee / account holder | $3,586 | $8,717-58.9% | $5,586-35.8% | $10,132-64.6% |