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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 | $17,677 | $57,828-69.4% | $117,039-84.9% | $70,124-74.8% |
| Participation rate | 60.2% | 67.1%-6.9pp | 77.2%-16.9pp | 69.5%-9.3pp |
| Annual return | 16.26% | 17.55%-1.3pp | 18.95%-2.7pp | 73.14%-56.9pp |
| Employer contribution / active EE | $1,243 | $1,816-31.6% | $3,785-67.2% | $2,342-46.9% |
| Participant deferral / active EE | $2,104 | $2,438-13.7% | $3,929-46.5% | $3,332-36.8% |
| Admin fee / account holder | $931 | $3,548-73.8% | $5,974-84.4% | $4,645-80.0% |