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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 | $14,668 | $46,688-68.6% | $189,758-92.3% | $69,733-79.0% |
| Participation rate | 27.0% | 61.7%-34.7pp | 79.8%-52.8pp | 62.5%-35.4pp |
| Annual return | 15.36% | 14.35%+1.0pp | 52.62%-37.3pp | 15.22%+0.1pp |
| Employer contribution / active EE | $947 | $1,695-44.1% | $4,767-80.1% | $2,250-57.9% |
| Participant deferral / active EE | $1,297 | $2,143-39.5% | $5,856-77.9% | $3,054-57.5% |
| Admin fee / account holder | $3,516 | $1,700+106.7% | $20,388-82.8% | $3,102+13.3% |