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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 | $15,301 | $72,012-78.8% | $185,827-91.8% | $79,858-80.8% |
| Participation rate | 55.2% | 65.8%-10.6pp | 78.0%-22.9pp | 69.6%-14.5pp |
| Annual return | 20.05% | 23.12%-3.1pp | 35.96%-15.9pp | 31.72%-11.7pp |
| Employer contribution / active EE | $950 | $1,965-51.6% | $4,087-76.8% | $2,471-61.5% |
| Participant deferral / active EE | $2,317 | $3,779-38.7% | $5,633-58.9% | $3,740-38.0% |
| Admin fee / account holder | $1,445 | $4,513-68.0% | $9,502-84.8% | $5,306-72.8% |