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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 | $17,425 | $127,387-86.3% | $115,038-84.9% | $125,389-86.1% |
| Participation rate | 68.2% | 84.2%-16.0pp | 81.4%-13.2pp | 83.2%-15.0pp |
| Annual return | 13.38% | 31.28%-17.9pp | 26.14%-12.8pp | 282.24%-268.9pp |
| Employer contribution / active EE | $1,099 | $5,166-78.7% | $4,608-76.1% | $4,866-77.4% |
| Participant deferral / active EE | $3,002 | $6,423-53.3% | $6,026-50.2% | $5,352-43.9% |
| Admin fee / account holder | $1,920 | $9,516-79.8% | $8,175-76.5% | $9,541-79.9% |