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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 | $16,621 | $80,983-79.5% | $96,544-82.8% | $75,177-77.9% |
| Participation rate | 51.4% | 71.8%-20.4pp | 76.0%-24.6pp | 67.2%-15.9pp |
| Annual return | 15.93% | 27.05%-11.1pp | 25.88%-9.9pp | 160.75%-144.8pp |
| Employer contribution / active EE | $1,192 | $2,282-47.8% | $2,966-59.8% | $2,671-55.4% |
| Participant deferral / active EE | $2,339 | $3,929-40.5% | $4,851-51.8% | $4,126-43.3% |
| Admin fee / account holder | $2,290 | $6,717-65.9% | $8,254-72.3% | $5,651-59.5% |