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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 | $78,013-80.4% | $178,449-91.4% | $80,911-81.1% |
| Participation rate | 56.1% | 65.7%-9.6pp | 77.1%-21.0pp | 67.6%-11.6pp |
| Annual return | 13.95% | 18.07%-4.1pp | 27.09%-13.1pp | 35.63%-21.7pp |
| Employer contribution / active EE | $1,674 | $2,287-26.8% | $3,951-57.6% | $2,756-39.3% |
| Participant deferral / active EE | $1,674 | $4,408-62.0% | $6,277-73.3% | $4,297-61.1% |
| Admin fee / account holder | $1,908 | $7,166-73.4% | $10,362-81.6% | $6,935-72.5% |