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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 | $14,734 | $54,541-73.0% | $78,778-81.3% | $70,126-79.0% |
| Participation rate | 42.4% | 60.8%-18.4pp | 69.2%-26.8pp | 69.5%-27.2pp |
| Annual return | 20.09% | 21.07%-1.0pp | 35.62%-15.5pp | 73.15%-53.1pp |
| Employer contribution / active EE | $810 | $1,089-25.6% | $1,986-59.2% | $2,343-65.4% |
| Participant deferral / active EE | $1,476 | $2,210-33.2% | $2,958-50.1% | $3,332-55.7% |
| Admin fee / account holder | $431 | $3,709-88.4% | $5,134-91.6% | $4,645-90.7% |