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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 | $13,222 | $78,013-83.1% | $178,449-92.6% | $80,911-83.7% |
| Participation rate | 27.8% | 65.7%-37.9pp | 77.1%-49.3pp | 67.6%-39.9pp |
| Annual return | 44.84% | 18.07%+26.8pp | 27.09%+17.8pp | 35.63%+9.2pp |
| Employer contribution / active EE | $884 | $2,287-61.3% | $3,951-77.6% | $2,756-67.9% |
| Participant deferral / active EE | $1,769 | $4,408-59.9% | $6,277-71.8% | $4,297-58.8% |
| Admin fee / account holder | $3,991 | $7,166-44.3% | $10,362-61.5% | $6,935-42.4% |