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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 | $15,419 | $215,361-92.8% | $171,082-91.0% | $273,972-94.4% |
| Participation rate | 45.8% | 82.0%-36.2pp | 76.7%-30.9pp | 83.0%-37.2pp |
| Annual return | 4.94% | 25.14%-20.2pp | 32.56%-27.6pp | 41.46%-36.5pp |
| Employer contribution / active EE | $304 | $4,967-93.9% | $4,002-92.4% | $4,869-93.8% |
| Participant deferral / active EE | $928 | $5,543-83.3% | $4,797-80.6% | $5,287-82.4% |
| Admin fee / account holder | $1,267 | $10,846-88.3% | $8,520-85.1% | $10,133-87.5% |