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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 | $14,000 | $84,233-83.4% | $170,436-91.8% | $70,131-80.0% |
| Participation rate | 67.9% | 70.8%-3.0pp | 83.6%-15.7pp | 69.5%-1.7pp |
| Annual return | 16.69% | 23.06%-6.4pp | 205.94%-189.2pp | 73.14%-56.5pp |
| Employer contribution / active EE | $890 | $3,387-73.7% | $5,433-83.6% | $2,342-62.0% |
| Participant deferral / active EE | $1,562 | $3,086-49.4% | $4,939-68.4% | $3,332-53.1% |
| Admin fee / account holder | $413 | $5,698-92.7% | $13,880-97.0% | $4,645-91.1% |