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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 | $10,193 | $124,425-91.8% | $112,040-90.9% | $137,256-92.6% |
| Participation rate | 64.7% | 79.3%-14.6pp | 76.5%-11.8pp | 80.0%-15.3pp |
| Annual return | 17.64% | 24.72%-7.1pp | 24.52%-6.9pp | 220.34%-202.7pp |
| Employer contribution / active EE | $959 | $3,411-71.9% | $2,954-67.5% | $4,156-76.9% |
| Participant deferral / active EE | $2,157 | $5,718-62.3% | $5,098-57.7% | $6,407-66.3% |
| Admin fee / account holder | $2,590 | $15,207-83.0% | $12,098-78.6% | $12,270-78.9% |