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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 | $16,398 | $72,273-77.3% | $101,275-83.8% | $79,856-79.5% |
| Participation rate | 53.6% | 68.5%-14.9pp | 75.8%-22.2pp | 69.6%-16.1pp |
| Annual return | 16.66% | 22.30%-5.6pp | 46.48%-29.8pp | 31.71%-15.1pp |
| Employer contribution / active EE | $694 | $2,691-74.2% | $3,660-81.0% | $2,471-71.9% |
| Participant deferral / active EE | $1,474 | $3,282-55.1% | $4,371-66.3% | $3,741-60.6% |
| Admin fee / account holder | $1,389 | $4,401-68.4% | $5,948-76.7% | $5,306-73.8% |