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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 | $14,485 | $65,364-77.8% | $92,909-84.4% | $72,975-80.2% |
| Participation rate | 58.6% | 68.3%-9.7pp | 76.0%-17.4pp | 69.5%-10.9pp |
| Annual return | 26.69% | 42.11%-15.4pp | 109.44%-82.7pp | 81.01%-54.3pp |
| Employer contribution / active EE | $1,281 | $2,594-50.6% | $3,653-64.9% | $2,440-47.5% |
| Participant deferral / active EE | $2,820 | $3,128-9.9% | $4,238-33.5% | $3,608-21.8% |
| Admin fee / account holder | $418 | $4,251-90.2% | $5,795-92.8% | $5,124-91.8% |