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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 | $13,800 | $76,642-82.0% | $146,866-90.6% | $65,306-78.9% |
| Participation rate | 22.6% | 61.2%-38.6pp | 82.5%-59.9pp | 57.7%-35.0pp |
| Annual return | 19.47% | 33.40%-13.9pp | 102.85%-83.4pp | 21.94%-2.5pp |
| Employer contribution / active EE | $201 | $2,621-92.3% | $4,425-95.5% | $1,967-89.8% |
| Participant deferral / active EE | $1,486 | $4,864-69.5% | $7,759-80.9% | $2,959-49.8% |
| Admin fee / account holder | $3,357 | $3,960-15.2% | $13,620-75.4% | $3,480-3.5% |