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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 | $23,036 | $72,492-68.2% | $87,104-73.6% | $72,975-68.4% |
| Participation rate | 59.5% | 72.8%-13.3pp | 76.9%-17.4pp | 69.5%-10.0pp |
| Annual return | 24.13% | 24.46%-0.3pp | 28.19%-4.1pp | 81.01%-56.9pp |
| Employer contribution / active EE | $1,220 | $1,894-35.6% | $2,521-51.6% | $2,440-50.0% |
| Participant deferral / active EE | $2,479 | $3,270-24.2% | $4,048-38.8% | $3,608-31.3% |
| Admin fee / account holder | $1,954 | $5,055-61.3% | $7,491-73.9% | $5,124-61.9% |