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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 | $21,137 | $81,504-74.1% | $102,437-79.4% | $80,959-73.9% |
| Participation rate | 26.7% | 66.9%-40.2pp | 74.5%-47.8pp | 67.7%-41.0pp |
| Annual return | 20.83% | 25.60%-4.8pp | 24.95%-4.1pp | 35.67%-14.8pp |
| Employer contribution / active EE | $813 | $3,104-73.8% | $3,871-79.0% | $2,757-70.5% |
| Participant deferral / active EE | $1,725 | $3,871-55.4% | $5,060-65.9% | $4,300-59.9% |
| Admin fee / account holder | $649 | $6,719-90.3% | $8,388-92.3% | $6,925-90.6% |