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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 | $16,251 | $86,940-81.3% | $102,434-84.1% | $80,935-79.9% |
| Participation rate | 39.2% | 72.4%-33.2pp | 76.5%-37.3pp | 67.7%-28.5pp |
| Annual return | 16.42% | 18.89%-2.5pp | 29.46%-13.0pp | 35.66%-19.2pp |
| Employer contribution / active EE | $812 | $2,370-65.7% | $3,023-73.1% | $2,757-70.5% |
| Participant deferral / active EE | $2,858 | $4,121-30.7% | $5,055-43.5% | $4,299-33.5% |
| Admin fee / account holder | $557 | $8,047-93.1% | $9,462-94.1% | $6,924-92.0% |