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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 | $16,631 | $69,383-76.0% | $101,264-83.6% | $73,493-77.4% |
| Participation rate | 34.0% | 68.4%-34.4pp | 75.8%-41.8pp | 70.7%-36.7pp |
| Annual return | 19.28% | 18.46%+0.8pp | 46.48%-27.2pp | 28.51%-9.2pp |
| Employer contribution / active EE | $1,030 | $2,628-60.8% | $3,660-71.9% | $2,270-54.6% |
| Participant deferral / active EE | $1,819 | $3,301-44.9% | $4,370-58.4% | $3,740-51.4% |
| Admin fee / account holder | $1,228 | $704+74.5% | $5,947-79.3% | $513+139.4% |