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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 | $15,520 | $185,312-91.6% | $161,489-90.4% | $154,746-90.0% |
| Participation rate | 30.8% | 82.5%-51.7pp | 78.7%-47.9pp | 80.7%-49.9pp |
| Annual return | 23.73% | 103.84%-80.1pp | 89.72%-66.0pp | 172.34%-148.6pp |
| Employer contribution / active EE | $1,581 | $4,769-66.9% | $4,268-63.0% | $4,379-63.9% |
| Participant deferral / active EE | $3,162 | $6,350-50.2% | $5,630-43.8% | $6,730-53.0% |
| Admin fee / account holder | $6,046 | $18,654-67.6% | $16,006-62.2% | $14,365-57.9% |