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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 | $12,864 | $72,269-82.2% | $101,271-87.3% | $79,852-83.9% |
| Participation rate | 62.1% | 68.5%-6.4pp | 75.8%-13.7pp | 69.6%-7.6pp |
| Annual return | 17.55% | 22.29%-4.7pp | 46.48%-28.9pp | 31.72%-14.2pp |
| Employer contribution / active EE | $1,180 | $2,692-56.1% | $3,660-67.7% | $2,471-52.2% |
| Participant deferral / active EE | $2,730 | $3,282-16.8% | $4,371-37.5% | $3,740-27.0% |
| Admin fee / account holder | $921 | $4,401-79.1% | $5,948-84.5% | $5,306-82.7% |