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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 | $16,286 | $65,367-75.1% | $92,915-82.5% | $72,976-77.7% |
| Participation rate | 62.0% | 68.3%-6.4pp | 76.0%-14.0pp | 69.5%-7.5pp |
| Annual return | 29.53% | 42.11%-12.6pp | 109.45%-79.9pp | 81.02%-51.5pp |
| Employer contribution / active EE | $1,385 | $2,594-46.6% | $3,653-62.1% | $2,440-43.2% |
| Participant deferral / active EE | $3,142 | $3,128+0.5% | $4,238-25.9% | $3,608-12.9% |
| Admin fee / account holder | $905 | $4,251-78.7% | $5,796-84.4% | $5,124-82.3% |