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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 | $13,440 | $81,457-83.5% | $103,378-87.0% | $80,911-83.4% |
| Participation rate | 45.3% | 66.8%-21.5pp | 74.5%-29.2pp | 67.6%-22.3pp |
| Annual return | 17.41% | 25.58%-8.2pp | 24.91%-7.5pp | 35.63%-18.2pp |
| Employer contribution / active EE | $888 | $3,107-71.4% | $3,870-77.1% | $2,756-67.8% |
| Participant deferral / active EE | $1,830 | $3,871-52.7% | $5,058-63.8% | $4,297-57.4% |
| Admin fee / account holder | $1,081 | $6,717-83.9% | $8,401-87.1% | $6,935-84.4% |