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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 | $17,471 | $127,689-86.3% | $146,866-88.1% | $65,191-73.2% |
| Participation rate | 24.8% | 68.4%-43.6pp | 82.5%-57.7pp | 63.0%-38.2pp |
| Annual return | 18.02% | 22.89%-4.9pp | 102.85%-84.8pp | 51.24%-33.2pp |
| Employer contribution / active EE | $373 | $4,150-91.0% | $4,425-91.6% | $2,400-84.5% |
| Participant deferral / active EE | $746 | $6,458-88.4% | $7,759-90.4% | $2,671-72.1% |
| Admin fee / account holder | $1,906 | $1,041+83.2% | $13,620-86.0% | $907+110.2% |