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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 | $14,420 | $53,777-73.2% | $134,155-89.3% | $79,858-81.9% |
| Participation rate | 50.0% | 58.8%-8.8pp | 72.2%-22.2pp | 69.6%-19.6pp |
| Annual return | 16.37% | 19.01%-2.6pp | 36.34%-20.0pp | 31.72%-15.3pp |
| Employer contribution / active EE | $357 | $1,321-73.0% | $3,705-90.4% | $2,471-85.6% |
| Participant deferral / active EE | $1,646 | $2,420-32.0% | $3,500-53.0% | $3,740-56.0% |
| Admin fee / account holder | $814 | $3,984-79.6% | $6,685-87.8% | $5,306-84.7% |