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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 | $13,589 | $55,713-75.6% | $75,894-82.1% | $72,983-81.4% |
| Participation rate | 38.9% | 61.1%-22.2pp | 69.3%-30.4pp | 69.5%-30.6pp |
| Annual return | 22.85% | 27.60%-4.7pp | 30.76%-7.9pp | 81.01%-58.2pp |
| Employer contribution / active EE | $707 | $1,687-58.1% | $2,501-71.7% | $2,440-71.0% |
| Participant deferral / active EE | $1,458 | $2,634-44.6% | $3,603-59.5% | $3,608-59.6% |
| Admin fee / account holder | $859 | $3,980-78.4% | $5,420-84.2% | $5,124-83.2% |