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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 | $16,454 | $71,197-76.9% | $93,669-82.4% | $80,925-79.7% |
| Participation rate | 24.0% | 60.4%-36.4pp | 68.7%-44.7pp | 67.7%-43.7pp |
| Annual return | 10.14% | 11.27%-1.1pp | 133.59%-123.5pp | 35.65%-25.5pp |
| Employer contribution / active EE | $940 | $1,565-39.9% | $2,424-61.2% | $2,756-65.9% |
| Participant deferral / active EE | $1,396 | $4,036-65.4% | $4,416-68.4% | $4,299-67.5% |
| Admin fee / account holder | $5,643 | $6,959-18.9% | $8,291-31.9% | $6,940-18.7% |