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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 | $16,587 | $101,778-83.7% | $164,975-89.9% | $80,925-79.5% |
| Participation rate | 34.0% | 71.8%-37.8pp | 78.6%-44.6pp | 67.7%-33.6pp |
| Annual return | 14.81% | 16.73%-1.9pp | 70.12%-55.3pp | 35.65%-20.8pp |
| Employer contribution / active EE | $1,274 | $2,954-56.9% | $4,343-70.7% | $2,756-53.8% |
| Participant deferral / active EE | $1,987 | $4,477-55.6% | $6,033-67.1% | $4,299-53.8% |
| Admin fee / account holder | $1,628 | $8,221-80.2% | $12,688-87.2% | $6,940-76.5% |