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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 | $18,159 | $87,106-79.2% | $105,607-82.8% | $80,935-77.6% |
| Participation rate | 63.5% | 70.4%-6.9pp | 75.3%-11.7pp | 67.7%-4.1pp |
| Annual return | 12.90% | 17.01%-4.1pp | 116.11%-103.2pp | 35.66%-22.8pp |
| Employer contribution / active EE | $967 | $2,396-59.7% | $3,167-69.5% | $2,757-64.9% |
| Participant deferral / active EE | $2,354 | $3,986-41.0% | $5,011-53.0% | $4,299-45.3% |
| Admin fee / account holder | $875 | $8,447-89.6% | $10,958-92.0% | $6,924-87.4% |