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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 | $15,650 | $72,269-78.3% | $101,271-84.5% | $79,852-80.4% |
| Participation rate | 48.8% | 68.5%-19.6pp | 75.8%-27.0pp | 69.6%-20.8pp |
| Annual return | 21.61% | 22.29%-0.7pp | 46.48%-24.9pp | 31.72%-10.1pp |
| Employer contribution / active EE | $959 | $2,692-64.4% | $3,660-73.8% | $2,471-61.2% |
| Participant deferral / active EE | $1,680 | $3,282-48.8% | $4,371-61.6% | $3,740-55.1% |
| Admin fee / account holder | $333 | $4,401-92.4% | $5,948-94.4% | $5,306-93.7% |