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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 | $15,286 | $77,962-80.4% | $178,540-91.4% | $80,935-81.1% |
| Participation rate | 56.1% | 65.7%-9.6pp | 77.1%-21.0pp | 67.7%-11.6pp |
| Annual return | 13.95% | 18.10%-4.1pp | 27.15%-13.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,674 | $2,280-26.6% | $3,953-57.7% | $2,757-39.3% |
| Participant deferral / active EE | $1,674 | $4,404-62.0% | $6,281-73.4% | $4,299-61.1% |
| Admin fee / account holder | $1,908 | $7,156-73.3% | $10,424-81.7% | $6,924-72.4% |