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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 | $15,539 | $60,352-74.3% | $74,185-79.1% | $62,881-75.3% |
| Participation rate | 60.8% | 72.7%-11.9pp | 76.6%-15.8pp | 69.3%-8.5pp |
| Annual return | 9.21% | 21.37%-12.2pp | 17.74%-8.5pp | 20.14%-10.9pp |
| Employer contribution / active EE | $919 | $1,680-45.3% | $2,370-61.2% | $2,281-59.7% |
| Participant deferral / active EE | $2,116 | $2,856-25.9% | $3,550-40.4% | $3,203-33.9% |
| Admin fee / account holder | $5,003 | $4,261+17.4% | $5,586-10.4% | $4,296+16.5% |