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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 | $16,617 | $153,311-89.2% | $109,313-84.8% | $273,972-93.9% |
| Participation rate | 50.0% | 80.1%-30.1pp | 71.3%-21.3pp | 83.0%-33.0pp |
| Annual return | 7.39% | 29.86%-22.5pp | 22.07%-14.7pp | 41.46%-34.1pp |
| Employer contribution / active EE | $754 | $5,619-86.6% | $3,892-80.6% | $4,869-84.5% |
| Participant deferral / active EE | $2,342 | $3,932-40.4% | $3,166-26.0% | $5,287-55.7% |
| Admin fee / account holder | $432 | $8,076-94.6% | $5,666-92.4% | $10,133-95.7% |