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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 | $15,733 | $76,696-79.5% | $96,538-83.7% | $71,529-78.0% |
| Participation rate | 43.8% | 66.6%-22.7pp | 74.3%-30.5pp | 67.9%-24.1pp |
| Annual return | 21.87% | 48.32%-26.5pp | 35.74%-13.9pp | 28.97%-7.1pp |
| Employer contribution / active EE | $927 | $3,032-69.4% | $3,740-75.2% | $2,590-64.2% |
| Participant deferral / active EE | $1,799 | $3,770-52.3% | $4,880-63.1% | $4,291-58.1% |
| Admin fee / account holder | $1,903 | $2,030-6.3% | $6,737-71.8% | $1,588+19.8% |