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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 | $16,778 | $72,272-76.8% | $101,264-83.4% | $79,858-79.0% |
| Participation rate | 62.2% | 68.5%-6.3pp | 75.8%-13.6pp | 69.6%-7.4pp |
| Annual return | 21.85% | 22.30%-0.4pp | 46.48%-24.6pp | 31.72%-9.9pp |
| Employer contribution / active EE | $1,962 | $2,692-27.1% | $3,660-46.4% | $2,471-20.6% |
| Participant deferral / active EE | $2,661 | $3,282-18.9% | $4,370-39.1% | $3,740-28.8% |
| Admin fee / account holder | $1,330 | $4,401-69.8% | $5,947-77.6% | $5,306-74.9% |