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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 | $17,014 | $50,464-66.3% | $75,784-77.5% | $52,331-67.5% |
| Participation rate | 37.0% | 66.8%-29.8pp | 75.8%-38.9pp | 68.1%-31.1pp |
| Annual return | -0.33% | 1.03%-1.4pp | 9.68%-10.0pp | 4.54%-4.9pp |
| Employer contribution / active EE | $717 | $1,988-63.9% | $3,323-78.4% | $1,882-61.9% |
| Participant deferral / active EE | $1,368 | $2,570-46.8% | $3,652-62.5% | $3,022-54.7% |
| Admin fee / account holder | $394 | $1,103-64.3% | $5,300-92.6% | $592-33.5% |