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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 | $18,102 | $73,787-75.5% | $98,716-81.7% | $82,448-78.0% |
| Participation rate | 26.5% | 61.4%-34.9pp | 69.3%-42.8pp | 68.1%-41.6pp |
| Annual return | 13.04% | 18.57%-5.5pp | 31.81%-18.8pp | 41.64%-28.6pp |
| Employer contribution / active EE | $336 | $1,511-77.8% | $2,279-85.3% | $2,551-86.8% |
| Participant deferral / active EE | $1,944 | $3,081-36.9% | $4,048-52.0% | $4,139-53.0% |
| Admin fee / account holder | $404 | $6,500-93.8% | $8,703-95.4% | $7,234-94.4% |