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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 | $13,240 | $72,607-81.8% | $90,259-85.3% | $87,485-84.9% |
| Participation rate | 48.4% | 64.8%-16.4pp | 70.7%-22.4pp | 68.9%-20.5pp |
| Annual return | 16.60% | 18.59%-2.0pp | 18.88%-2.3pp | 26.06%-9.5pp |
| Employer contribution / active EE | $858 | $1,919-55.3% | $2,291-62.6% | $2,596-67.0% |
| Participant deferral / active EE | $1,315 | $3,055-57.0% | $3,827-65.6% | $4,274-69.2% |
| Admin fee / account holder | $1,859 | $5,947-68.7% | $7,267-74.4% | $7,775-76.1% |