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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 | $20,068 | $67,602-70.3% | $82,312-75.6% | $70,126-71.4% |
| Participation rate | 67.4% | 72.8%-5.3pp | 76.9%-9.5pp | 69.5%-2.1pp |
| Annual return | 19.75% | 21.57%-1.8pp | 25.88%-6.1pp | 73.15%-53.4pp |
| Employer contribution / active EE | $708 | $1,755-59.7% | $2,428-70.9% | $2,343-69.8% |
| Participant deferral / active EE | $2,007 | $2,987-32.8% | $3,706-45.8% | $3,332-39.8% |
| Admin fee / account holder | $301 | $4,512-93.3% | $5,608-94.6% | $4,645-93.5% |