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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 | $15,988 | $99,345-83.9% | $84,753-81.1% | $273,972-94.2% |
| Participation rate | 58.3% | 80.7%-22.4pp | 76.6%-18.3pp | 83.0%-24.7pp |
| Annual return | 4.72% | 22.93%-18.2pp | 22.78%-18.1pp | 41.46%-36.7pp |
| Employer contribution / active EE | $1,050 | $4,214-75.1% | $3,574-70.6% | $4,869-78.4% |
| Participant deferral / active EE | $1,852 | $4,270-56.6% | $3,712-50.1% | $5,287-65.0% |
| Admin fee / account holder | $2,090 | $6,645-68.5% | $5,333-60.8% | $10,133-79.4% |