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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 | $15,433 | $91,559-83.1% | $133,978-88.5% | $79,856-80.7% |
| Participation rate | 49.2% | 73.3%-24.1pp | 79.8%-30.6pp | 69.6%-20.4pp |
| Annual return | 16.86% | 61.85%-45.0pp | 45.10%-28.2pp | 31.71%-14.9pp |
| Employer contribution / active EE | $588 | $2,384-75.3% | $3,919-85.0% | $2,471-76.2% |
| Participant deferral / active EE | $2,017 | $3,734-46.0% | $5,047-60.0% | $3,741-46.1% |
| Admin fee / account holder | $2,401 | $6,321-62.0% | $8,930-73.1% | $5,306-54.8% |