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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 | $16,675 | $54,541-69.4% | $78,778-78.8% | $70,126-76.2% |
| Participation rate | 41.1% | 60.8%-19.7pp | 69.2%-28.1pp | 69.5%-28.4pp |
| Annual return | 14.00% | 21.07%-7.1pp | 35.62%-21.6pp | 73.15%-59.2pp |
| Employer contribution / active EE | $309 | $1,089-71.6% | $1,986-84.4% | $2,343-86.8% |
| Participant deferral / active EE | $1,129 | $2,210-48.9% | $2,958-61.9% | $3,332-66.1% |
| Admin fee / account holder | $546 | $3,709-85.3% | $5,134-89.4% | $4,645-88.2% |