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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 | $11,717 | $59,839-80.4% | $81,991-85.7% | $79,852-85.3% |
| Participation rate | 55.0% | 61.6%-6.6pp | 69.3%-14.3pp | 69.6%-14.6pp |
| Annual return | 14.49% | 17.56%-3.1pp | 41.31%-26.8pp | 31.72%-17.2pp |
| Employer contribution / active EE | $824 | $1,713-51.9% | $2,498-67.0% | $2,471-66.7% |
| Participant deferral / active EE | $2,013 | $2,695-25.3% | $3,722-45.9% | $3,740-46.2% |
| Admin fee / account holder | $801 | $4,287-81.3% | $5,665-85.9% | $5,306-84.9% |