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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 | $15,781 | $63,904-75.3% | $89,340-82.3% | $67,986-76.8% |
| Participation rate | 25.7% | 54.3%-28.7pp | 69.6%-43.9pp | 57.2%-31.5pp |
| Annual return | 23.83% | 18.09%+5.7pp | 20.57%+3.3pp | 31.67%-7.8pp |
| Employer contribution / active EE | $791 | $1,627-51.4% | $2,231-64.5% | $2,019-60.8% |
| Participant deferral / active EE | $1,665 | $2,691-38.1% | $3,823-56.4% | $3,358-50.4% |
| Admin fee / account holder | $2,844 | $3,315-14.2% | $6,704-57.6% | $3,203-11.2% |