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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 | $15,707 | $76,551-79.5% | $123,894-87.3% | $62,881-75.0% |
| Participation rate | 63.0% | 73.0%-10.0pp | 81.4%-18.4pp | 69.3%-6.3pp |
| Annual return | 10.66% | 18.68%-8.0pp | 47.52%-36.9pp | 20.14%-9.5pp |
| Employer contribution / active EE | $1,364 | $2,882-52.7% | $4,617-70.5% | $2,281-40.2% |
| Participant deferral / active EE | $2,727 | $4,840-43.7% | $5,984-54.4% | $3,203-14.9% |
| Admin fee / account holder | $1,186 | $4,826-75.4% | $8,357-85.8% | $4,296-72.4% |