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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 | $16,872 | $65,361-74.2% | $92,903-81.8% | $72,983-76.9% |
| Participation rate | 51.9% | 68.3%-16.5pp | 76.0%-24.2pp | 69.5%-17.6pp |
| Annual return | 36.76% | 42.11%-5.3pp | 109.43%-72.7pp | 81.01%-44.2pp |
| Employer contribution / active EE | $696 | $2,594-73.2% | $3,653-80.9% | $2,440-71.5% |
| Participant deferral / active EE | $1,914 | $3,128-38.8% | $4,238-54.8% | $3,608-46.9% |
| Admin fee / account holder | $4,429 | $4,251+4.2% | $5,795-23.6% | $5,124-13.6% |