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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 | $16,899 | $74,535-77.3% | $100,712-83.2% | $82,637-79.6% |
| Participation rate | 44.0% | 61.2%-17.2pp | 69.3%-25.3pp | 68.1%-24.1pp |
| Annual return | 16.60% | 18.92%-2.3pp | 33.27%-16.7pp | 53.51%-36.9pp |
| Employer contribution / active EE | $981 | $1,503-34.7% | $2,313-57.6% | $2,552-61.5% |
| Participant deferral / active EE | $1,593 | $3,074-48.2% | $4,085-61.0% | $4,126-61.4% |
| Admin fee / account holder | $6,265 | $6,576-4.7% | $9,256-32.3% | $7,339-14.6% |