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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 | $13,671 | $67,602-79.8% | $82,312-83.4% | $70,126-80.5% |
| Participation rate | 67.3% | 72.8%-5.5pp | 76.9%-9.6pp | 69.5%-2.3pp |
| Annual return | 16.31% | 21.57%-5.3pp | 25.88%-9.6pp | 73.15%-56.8pp |
| Employer contribution / active EE | $863 | $1,755-50.8% | $2,428-64.4% | $2,343-63.1% |
| Participant deferral / active EE | $2,443 | $2,987-18.2% | $3,706-34.1% | $3,332-26.7% |
| Admin fee / account holder | $2,317 | $4,512-48.7% | $5,608-58.7% | $4,645-50.1% |