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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 | $12,125 | $101,778-88.1% | $164,975-92.7% | $80,925-85.0% |
| Participation rate | 64.0% | 71.8%-7.8pp | 78.6%-14.6pp | 67.7%-3.7pp |
| Annual return | 14.44% | 16.73%-2.3pp | 70.12%-55.7pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,666 | $2,954-43.6% | $4,343-61.6% | $2,756-39.6% |
| Participant deferral / active EE | $3,651 | $4,477-18.4% | $6,033-39.5% | $4,299-15.1% |
| Admin fee / account holder | $1,393 | $8,221-83.1% | $12,688-89.0% | $6,940-79.9% |