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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 | $16,305 | $106,749-84.7% | $145,433-88.8% | $82,448-80.2% |
| Participation rate | 37.7% | 75.6%-37.9pp | 82.1%-44.4pp | 68.1%-30.4pp |
| Annual return | 22.91% | 27.59%-4.7pp | 66.58%-43.7pp | 41.64%-18.7pp |
| Employer contribution / active EE | $1,072 | $3,444-68.9% | $4,554-76.5% | $2,551-58.0% |
| Participant deferral / active EE | $2,516 | $6,519-61.4% | $7,897-68.1% | $4,139-39.2% |
| Admin fee / account holder | $7,285 | $8,390-13.2% | $13,129-44.5% | $7,234+0.7% |