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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 | $15,853 | $93,346-83.0% | $71,796-77.9% | $273,972-94.2% |
| Participation rate | 68.8% | 76.5%-7.8pp | 69.1%-0.4pp | 83.0%-14.3pp |
| Annual return | 6.88% | 130.39%-123.5pp | 78.04%-71.2pp | 41.46%-34.6pp |
| Employer contribution / active EE | $1,588 | $2,733-41.9% | $1,924-17.5% | $4,869-67.4% |
| Participant deferral / active EE | $2,729 | $3,475-21.5% | $2,794-2.3% | $5,287-48.4% |
| Admin fee / account holder | $823 | $6,571-87.5% | $4,815-82.9% | $10,133-91.9% |