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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 | $15,402 | $61,605-75.0% | $112,273-86.3% | $75,173-79.5% |
| Participation rate | 55.2% | 61.7%-6.5pp | 72.4%-17.3pp | 67.2%-12.0pp |
| Annual return | 16.69% | 28.47%-11.8pp | 30.23%-13.5pp | 160.72%-144.0pp |
| Employer contribution / active EE | $1,150 | $2,015-42.9% | $3,431-66.5% | $2,671-57.0% |
| Participant deferral / active EE | $2,822 | $3,108-9.2% | $4,800-41.2% | $4,126-31.6% |
| Admin fee / account holder | $1,164 | $4,862-76.1% | $7,752-85.0% | $5,651-79.4% |