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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 | $17,522 | $106,749-83.6% | $145,433-88.0% | $82,448-78.7% |
| Participation rate | 65.6% | 75.6%-10.0pp | 82.1%-16.5pp | 68.1%-2.4pp |
| Annual return | 19.51% | 27.59%-8.1pp | 66.58%-47.1pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,133 | $3,444-67.1% | $4,554-75.1% | $2,551-55.6% |
| Participant deferral / active EE | $3,535 | $6,519-45.8% | $7,897-55.2% | $4,139-14.6% |
| Admin fee / account holder | $1,412 | $8,390-83.2% | $13,129-89.2% | $7,234-80.5% |