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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 | $15,924 | $48,364-67.1% | $71,796-77.8% | $62,881-74.7% |
| Participation rate | 27.0% | 60.6%-33.6pp | 69.1%-42.1pp | 69.3%-42.3pp |
| Annual return | 12.10% | 13.16%-1.1pp | 78.04%-65.9pp | 20.14%-8.0pp |
| Employer contribution / active EE | $705 | $1,042-32.4% | $1,924-63.4% | $2,281-69.1% |
| Participant deferral / active EE | $1,778 | $2,091-15.0% | $2,794-36.4% | $3,203-44.5% |
| Admin fee / account holder | $590 | $3,771-84.4% | $4,815-87.8% | $4,296-86.3% |