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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 | $15,647 | $58,523-73.3% | $99,470-84.3% | $72,983-78.6% |
| Participation rate | 60.3% | 64.6%-4.3pp | 73.8%-13.5pp | 69.5%-9.2pp |
| Annual return | 25.57% | 28.51%-2.9pp | 30.72%-5.2pp | 81.01%-55.4pp |
| Employer contribution / active EE | $931 | $1,512-38.4% | $2,540-63.3% | $2,440-61.8% |
| Participant deferral / active EE | $1,880 | $2,606-27.9% | $3,619-48.1% | $3,608-47.9% |
| Admin fee / account holder | $1,180 | $4,102-71.2% | $6,252-81.1% | $5,124-77.0% |