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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 | $15,751 | $69,590-77.4% | $136,867-88.5% | $94,015-83.2% |
| Participation rate | 51.9% | 66.3%-14.4pp | 74.5%-22.6pp | 70.8%-18.9pp |
| Annual return | 16.58% | 19.62%-3.0pp | 42.97%-26.4pp | 17.84%-1.3pp |
| Employer contribution / active EE | $961 | $2,396-59.9% | $3,547-72.9% | $2,790-65.6% |
| Participant deferral / active EE | $1,431 | $3,437-58.4% | $4,924-70.9% | $4,249-66.3% |
| Admin fee / account holder | $1,191 | $8,912-86.6% | $10,340-88.5% | $8,951-86.7% |