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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 | $13,949 | $99,994-86.1% | $146,643-90.5% | $85,847-83.8% |
| Participation rate | 68.6% | 73.1%-4.4pp | 80.1%-11.4pp | 69.3%-0.7pp |
| Annual return | 16.91% | 18.93%-2.0pp | 22.75%-5.8pp | 318.61%-301.7pp |
| Employer contribution / active EE | $872 | $2,559-65.9% | $4,137-78.9% | $2,565-66.0% |
| Participant deferral / active EE | $2,199 | $4,006-45.1% | $5,506-60.1% | $3,952-44.4% |
| Admin fee / account holder | $1,651 | $7,703-78.6% | $10,280-83.9% | $6,261-73.6% |