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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 | $18,330 | $48,364-62.1% | $71,796-74.5% | $62,881-70.9% |
| Participation rate | 54.0% | 60.6%-6.6pp | 69.1%-15.1pp | 69.3%-15.3pp |
| Annual return | 7.40% | 13.16%-5.8pp | 78.04%-70.6pp | 20.14%-12.7pp |
| Employer contribution / active EE | $958 | $1,042-8.1% | $1,924-50.2% | $2,281-58.0% |
| Participant deferral / active EE | $2,133 | $2,091+2.0% | $2,794-23.7% | $3,203-33.4% |
| Admin fee / account holder | $864 | $3,771-77.1% | $4,815-82.1% | $4,296-79.9% |