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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 | $14,760 | $124,425-88.1% | $112,040-86.8% | $137,256-89.2% |
| Participation rate | 61.9% | 79.3%-17.4pp | 76.5%-14.6pp | 80.0%-18.1pp |
| Annual return | 15.93% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $998 | $3,411-70.8% | $2,954-66.2% | $4,156-76.0% |
| Participant deferral / active EE | $2,638 | $5,718-53.9% | $5,098-48.3% | $6,407-58.8% |
| Admin fee / account holder | $679 | $15,207-95.5% | $12,098-94.4% | $12,270-94.5% |