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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 | $14,643 | $57,828-74.7% | $117,039-87.5% | $70,126-79.1% |
| Participation rate | 36.2% | 67.1%-30.9pp | 77.2%-41.0pp | 69.5%-33.4pp |
| Annual return | 18.45% | 17.55%+0.9pp | 18.95%-0.5pp | 73.15%-54.7pp |
| Employer contribution / active EE | $738 | $1,816-59.4% | $3,785-80.5% | $2,343-68.5% |
| Participant deferral / active EE | $2,162 | $2,438-11.3% | $3,929-45.0% | $3,332-35.1% |
| Admin fee / account holder | $2,704 | $3,548-23.8% | $5,974-54.7% | $4,645-41.8% |