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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 | $12,123 | $59,804-79.7% | $81,982-85.2% | $79,856-84.8% |
| Participation rate | 38.5% | 61.6%-23.2pp | 69.3%-30.8pp | 69.6%-31.2pp |
| Annual return | 10.71% | 17.56%-6.9pp | 41.31%-30.6pp | 31.71%-21.0pp |
| Employer contribution / active EE | $701 | $1,713-59.1% | $2,498-71.9% | $2,471-71.6% |
| Participant deferral / active EE | $1,546 | $2,695-42.6% | $3,722-58.5% | $3,741-58.7% |
| Admin fee / account holder | $417 | $4,288-90.3% | $5,665-92.6% | $5,306-92.1% |