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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 | $15,208 | $65,361-76.7% | $92,903-83.6% | $72,983-79.2% |
| Participation rate | 37.3% | 68.3%-31.0pp | 76.0%-38.7pp | 69.5%-32.2pp |
| Annual return | 22.00% | 42.11%-20.1pp | 109.43%-87.4pp | 81.01%-59.0pp |
| Employer contribution / active EE | $757 | $2,594-70.8% | $3,653-79.3% | $2,440-69.0% |
| Participant deferral / active EE | $1,356 | $3,128-56.6% | $4,238-68.0% | $3,608-62.4% |
| Admin fee / account holder | $836 | $4,251-80.3% | $5,795-85.6% | $5,124-83.7% |