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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 | $17,388 | $76,551-77.3% | $123,894-86.0% | $62,881-72.3% |
| Participation rate | 33.3% | 73.0%-39.6pp | 81.4%-48.1pp | 69.3%-36.0pp |
| Annual return | 13.96% | 18.68%-4.7pp | 47.52%-33.6pp | 20.14%-6.2pp |
| Employer contribution / active EE | $1,787 | $2,882-38.0% | $4,617-61.3% | $2,281-21.7% |
| Participant deferral / active EE | $4,183 | $4,840-13.6% | $5,984-30.1% | $3,203+30.6% |
| Admin fee / account holder | $451 | $4,826-90.6% | $8,357-94.6% | $4,296-89.5% |