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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 | $14,771 | $72,269-79.6% | $101,271-85.4% | $79,852-81.5% |
| Participation rate | 57.7% | 68.5%-10.8pp | 75.8%-18.1pp | 69.6%-11.9pp |
| Annual return | 20.84% | 22.29%-1.5pp | 46.48%-25.6pp | 31.72%-10.9pp |
| Employer contribution / active EE | $628 | $2,692-76.7% | $3,660-82.8% | $2,471-74.6% |
| Participant deferral / active EE | $1,893 | $3,282-42.3% | $4,371-56.7% | $3,740-49.4% |
| Admin fee / account holder | $589 | $4,401-86.6% | $5,948-90.1% | $5,306-88.9% |