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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 | $14,707 | $68,852-78.6% | $120,524-87.8% | $80,925-81.8% |
| Participation rate | 25.6% | 61.6%-36.0pp | 71.9%-46.3pp | 67.7%-42.0pp |
| Annual return | 17.67% | 23.67%-6.0pp | 107.36%-89.7pp | 35.65%-18.0pp |
| Employer contribution / active EE | $847 | $2,063-58.9% | $3,469-75.6% | $2,756-69.3% |
| Participant deferral / active EE | $1,318 | $3,187-58.6% | $4,994-73.6% | $4,299-69.3% |
| Admin fee / account holder | $588 | $5,781-89.8% | $9,440-93.8% | $6,940-91.5% |