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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 | $16,736 | $64,359-74.0% | $90,161-81.4% | $70,126-76.1% |
| Participation rate | 39.0% | 70.4%-31.4pp | 76.9%-37.8pp | 69.5%-30.5pp |
| Annual return | 20.64% | 28.13%-7.5pp | 34.89%-14.2pp | 73.15%-52.5pp |
| Employer contribution / active EE | $547 | $2,046-73.3% | $3,318-83.5% | $2,343-76.7% |
| Participant deferral / active EE | $3,504 | $4,389-20.2% | $5,287-33.7% | $3,332+5.2% |
| Admin fee / account holder | $1,339 | $3,945-66.1% | $5,943-77.5% | $4,645-71.2% |