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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 | $16,004 | $49,025-67.4% | $87,502-81.7% | $62,881-74.5% |
| Participation rate | 56.9% | 64.9%-8.0pp | 73.8%-16.9pp | 69.3%-12.4pp |
| Annual return | 6.30% | 10.02%-3.7pp | 12.21%-5.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $950 | $1,372-30.8% | $2,550-62.8% | $2,281-58.4% |
| Participant deferral / active EE | $1,235 | $2,289-46.1% | $3,149-60.8% | $3,203-61.5% |
| Admin fee / account holder | $1,085 | $4,065-73.3% | $4,221-74.3% | $4,296-74.8% |