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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 | $16,976 | $73,978-77.1% | $96,515-82.4% | $75,173-77.4% |
| Participation rate | 57.6% | 66.4%-8.9pp | 74.3%-16.8pp | 67.2%-9.6pp |
| Annual return | 22.64% | 26.72%-4.1pp | 35.73%-13.1pp | 160.72%-138.1pp |
| Employer contribution / active EE | $1,779 | $2,931-39.3% | $3,740-52.4% | $2,671-33.4% |
| Participant deferral / active EE | $2,199 | $3,660-39.9% | $4,880-54.9% | $4,126-46.7% |
| Admin fee / account holder | $1,359 | $5,219-74.0% | $6,735-79.8% | $5,651-76.0% |