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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 | $5,341 | $161,352-96.7% | $134,172-96.0% | $137,256-96.1% |
| Participation rate | 55.6% | 78.3%-22.7pp | 72.5%-16.9pp | 80.0%-24.4pp |
| Annual return | 16.60% | 28.72%-12.1pp | 25.30%-8.7pp | 220.34%-203.7pp |
| Employer contribution / active EE | $1,272 | $4,099-69.0% | $3,420-62.8% | $4,156-69.4% |
| Participant deferral / active EE | $1,936 | $5,552-65.1% | $4,690-58.7% | $6,407-69.8% |
| Admin fee / account holder | $2,595 | $15,028-82.7% | $12,016-78.4% | $12,270-78.9% |