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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 | $15,577 | $58,512-73.4% | $84,020-81.5% | $72,983-78.7% |
| Participation rate | 32.3% | 61.2%-29.0pp | 69.0%-36.8pp | 69.5%-37.2pp |
| Annual return | 18.08% | 28.93%-10.8pp | 71.31%-53.2pp | 81.01%-62.9pp |
| Employer contribution / active EE | $471 | $1,163-59.5% | $1,984-76.3% | $2,440-80.7% |
| Participant deferral / active EE | $1,195 | $2,394-50.1% | $3,239-63.1% | $3,608-66.9% |
| Admin fee / account holder | $923 | $4,569-79.8% | $6,101-84.9% | $5,124-82.0% |