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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 | $14,175 | $98,463-85.6% | $119,258-88.1% | $85,856-83.5% |
| Participation rate | 46.9% | 77.6%-30.7pp | 82.7%-35.8pp | 69.3%-22.4pp |
| Annual return | 16.66% | 38.53%-21.9pp | 30.69%-14.0pp | 318.58%-301.9pp |
| Employer contribution / active EE | $1,868 | $3,698-49.5% | $4,384-57.4% | $2,565-27.2% |
| Participant deferral / active EE | $3,244 | $4,942-34.4% | $6,111-46.9% | $3,952-17.9% |
| Admin fee / account holder | $2,608 | $7,493-65.2% | $7,226-63.9% | $6,261-58.3% |