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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 | $20,381 | $60,349-66.2% | $74,184-72.5% | $62,881-67.6% |
| Participation rate | 67.9% | 72.7%-4.8pp | 76.6%-8.7pp | 69.3%-1.4pp |
| Annual return | 10.75% | 21.38%-10.6pp | 17.74%-7.0pp | 20.14%-9.4pp |
| Employer contribution / active EE | $889 | $1,680-47.1% | $2,370-62.5% | $2,281-61.0% |
| Participant deferral / active EE | $2,113 | $2,856-26.0% | $3,550-40.5% | $3,203-34.0% |
| Admin fee / account holder | $2,056 | $4,261-51.8% | $5,586-63.2% | $4,296-52.1% |