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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 | $16,055 | $69,590-76.9% | $136,867-88.3% | $94,015-82.9% |
| Participation rate | 48.4% | 66.3%-17.9pp | 74.5%-26.1pp | 70.8%-22.4pp |
| Annual return | 16.73% | 19.62%-2.9pp | 42.97%-26.2pp | 17.84%-1.1pp |
| Employer contribution / active EE | $980 | $2,396-59.1% | $3,547-72.4% | $2,790-64.9% |
| Participant deferral / active EE | $1,929 | $3,437-43.9% | $4,924-60.8% | $4,249-54.6% |
| Admin fee / account holder | $2,521 | $8,912-71.7% | $10,340-75.6% | $8,951-71.8% |