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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 | $16,166 | $54,541-70.4% | $78,778-79.5% | $70,124-76.9% |
| Participation rate | 28.0% | 60.8%-32.8pp | 69.2%-41.2pp | 69.5%-41.5pp |
| Annual return | 17.58% | 21.07%-3.5pp | 35.62%-18.0pp | 73.14%-55.6pp |
| Employer contribution / active EE | $954 | $1,089-12.3% | $1,986-51.9% | $2,342-59.3% |
| Participant deferral / active EE | $1,869 | $2,210-15.4% | $2,958-36.8% | $3,332-43.9% |
| Admin fee / account holder | $955 | $3,709-74.3% | $5,134-81.4% | $4,645-79.4% |