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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 | $18,127 | $80,985-77.6% | $96,576-81.2% | $75,181-75.9% |
| Participation rate | 32.4% | 71.8%-39.3pp | 76.0%-43.5pp | 67.2%-34.8pp |
| Annual return | 25.31% | 27.05%-1.7pp | 25.87%-0.6pp | 160.69%-135.4pp |
| Employer contribution / active EE | $983 | $2,282-56.9% | $2,965-66.9% | $2,671-63.2% |
| Participant deferral / active EE | $3,316 | $3,929-15.6% | $4,851-31.6% | $4,126-19.6% |
| Admin fee / account holder | $452 | $6,719-93.3% | $8,253-94.5% | $5,650-92.0% |