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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 | $12,350 | $81,487-84.8% | $102,412-87.9% | $80,935-84.7% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.7%-15.7pp |
| Annual return | 15.96% | 25.60%-9.6pp | 24.94%-9.0pp | 35.66%-19.7pp |
| Employer contribution / active EE | $997 | $3,103-67.9% | $3,870-74.2% | $2,757-63.8% |
| Participant deferral / active EE | $3,141 | $3,871-18.8% | $5,060-37.9% | $4,299-26.9% |
| Admin fee / account holder | $886 | $6,717-86.8% | $8,388-89.4% | $6,924-87.2% |