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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 | $16,400 | $101,752-83.9% | $164,928-90.1% | $80,911-79.7% |
| Participation rate | 63.9% | 71.8%-8.0pp | 78.6%-14.7pp | 67.6%-3.8pp |
| Annual return | 13.01% | 16.73%-3.7pp | 70.08%-57.1pp | 35.63%-22.6pp |
| Employer contribution / active EE | $2,176 | $2,953-26.3% | $4,343-49.9% | $2,756-21.0% |
| Participant deferral / active EE | $4,535 | $4,477+1.3% | $6,034-24.8% | $4,297+5.5% |
| Admin fee / account holder | $6,925 | $8,218-15.7% | $12,684-45.4% | $6,935-0.1% |