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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 | $18,697 | $80,332-76.7% | $107,187-82.6% | $64,097-70.8% |
| Participation rate | 44.4% | 54.4%-10.0pp | 75.0%-30.6pp | 55.2%-10.7pp |
| Annual return | 14.89% | 24.26%-9.4pp | 204.55%-189.7pp | 34.64%-19.7pp |
| Employer contribution / active EE | $778 | $2,501-68.9% | $3,782-79.4% | $1,891-58.9% |
| Participant deferral / active EE | $1,580 | $3,109-49.2% | $5,096-69.0% | $3,080-48.7% |
| Admin fee / account holder | $1,683 | $4,314-61.0% | $9,162-81.6% | $3,454-51.3% |