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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 | $17,787 | $67,606-73.7% | $82,313-78.4% | $70,124-74.6% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.9%-14.4pp | 69.5%-7.0pp |
| Annual return | 18.26% | 21.57%-3.3pp | 25.88%-7.6pp | 73.14%-54.9pp |
| Employer contribution / active EE | $1,579 | $1,755-10.0% | $2,428-35.0% | $2,342-32.6% |
| Participant deferral / active EE | $4,249 | $2,987+42.2% | $3,706+14.6% | $3,332+27.5% |
| Admin fee / account holder | $4,422 | $4,512-2.0% | $5,608-21.1% | $4,645-4.8% |