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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 | $13,743 | $73,955-81.4% | $96,520-85.8% | $75,181-81.7% |
| Participation rate | 30.0% | 66.4%-36.4pp | 74.3%-44.3pp | 67.2%-37.2pp |
| Annual return | 25.40% | 26.72%-1.3pp | 35.72%-10.3pp | 160.69%-135.3pp |
| Employer contribution / active EE | $819 | $2,930-72.1% | $3,739-78.1% | $2,671-69.3% |
| Participant deferral / active EE | $1,682 | $3,659-54.0% | $4,879-65.5% | $4,126-59.2% |
| Admin fee / account holder | $1,568 | $5,217-70.0% | $6,733-76.7% | $5,650-72.3% |