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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 | $17,339 | $181,896-90.5% | $156,551-88.9% | $273,972-93.7% |
| Participation rate | 63.6% | 88.4%-24.7pp | 84.0%-20.4pp | 83.0%-19.4pp |
| Annual return | 12.53% | 30.74%-18.2pp | 32.23%-19.7pp | 41.46%-28.9pp |
| Employer contribution / active EE | $2,899 | $6,248-53.6% | $5,501-47.3% | $4,869-40.5% |
| Participant deferral / active EE | $5,239 | $5,550-5.6% | $4,871+7.6% | $5,287-0.9% |
| Admin fee / account holder | $405 | $15,560-97.4% | $13,028-96.9% | $10,133-96.0% |