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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 | $13,854 | $110,307-87.4% | $96,576-85.7% | $139,456-90.1% |
| Participation rate | 64.3% | 78.1%-13.8pp | 76.0%-11.7pp | 80.3%-16.0pp |
| Annual return | 18.32% | 26.40%-8.1pp | 25.87%-7.6pp | 373.45%-355.1pp |
| Employer contribution / active EE | $1,368 | $3,619-62.2% | $2,965-53.9% | $4,753-71.2% |
| Participant deferral / active EE | $4,191 | $5,547-24.4% | $4,851-13.6% | $6,711-37.6% |
| Admin fee / account holder | $3,269 | $11,597-71.8% | $8,253-60.4% | $11,407-71.3% |