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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 | $16,837 | $81,504-79.3% | $102,437-83.6% | $80,959-79.2% |
| Participation rate | 36.2% | 66.9%-30.7pp | 74.5%-38.3pp | 67.7%-31.5pp |
| Annual return | 15.12% | 25.60%-10.5pp | 24.95%-9.8pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,288 | $3,104-58.5% | $3,871-66.7% | $2,757-53.3% |
| Participant deferral / active EE | $2,477 | $3,871-36.0% | $5,060-51.1% | $4,300-42.4% |
| Admin fee / account holder | $1,255 | $6,719-81.3% | $8,388-85.0% | $6,925-81.9% |