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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 | $14,153 | $77,569-81.8% | $115,599-87.8% | $64,097-77.9% |
| Participation rate | 64.7% | 60.7%+4.0pp | 74.3%-9.6pp | 55.2%+9.5pp |
| Annual return | 19.94% | 18.52%+1.4pp | 111.10%-91.2pp | 34.64%-14.7pp |
| Employer contribution / active EE | $1,203 | $1,915-37.2% | $2,955-59.3% | $1,891-36.4% |
| Participant deferral / active EE | $2,066 | $3,327-37.9% | $4,889-57.7% | $3,080-32.9% |
| Admin fee / account holder | $1,782 | $4,470-60.1% | $12,841-86.1% | $3,454-48.4% |