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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 | $15,716 | $58,851-73.3% | $115,170-86.4% | $72,983-78.5% |
| Participation rate | 38.2% | 65.5%-27.3pp | 75.9%-37.7pp | 69.5%-31.3pp |
| Annual return | 30.15% | 23.16%+7.0pp | 35.60%-5.5pp | 81.01%-50.9pp |
| Employer contribution / active EE | $834 | $1,798-53.6% | $3,179-73.8% | $2,440-65.8% |
| Participant deferral / active EE | $2,640 | $2,643-0.1% | $4,169-36.7% | $3,608-26.8% |
| Admin fee / account holder | $552 | $6,370-91.3% | $7,089-92.2% | $5,124-89.2% |