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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 | $16,528 | $72,273-77.1% | $101,275-83.7% | $79,856-79.3% |
| Participation rate | 51.9% | 68.5%-16.5pp | 75.8%-23.9pp | 69.6%-17.7pp |
| Annual return | 23.89% | 22.30%+1.6pp | 46.48%-22.6pp | 31.71%-7.8pp |
| Employer contribution / active EE | $1,360 | $2,691-49.5% | $3,660-62.9% | $2,471-45.0% |
| Participant deferral / active EE | $1,756 | $3,282-46.5% | $4,371-59.8% | $3,741-53.1% |
| Admin fee / account holder | $1,265 | $4,401-71.3% | $5,948-78.7% | $5,306-76.2% |