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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 | $22,545 | $72,486-68.9% | $87,103-74.1% | $72,976-69.1% |
| Participation rate | 27.8% | 72.8%-45.0pp | 76.9%-49.0pp | 69.5%-41.7pp |
| Annual return | 32.52% | 24.46%+8.1pp | 28.19%+4.3pp | 81.02%-48.5pp |
| Employer contribution / active EE | $931 | $1,894-50.8% | $2,521-63.1% | $2,440-61.8% |
| Participant deferral / active EE | $1,807 | $3,270-44.7% | $4,049-55.4% | $3,608-49.9% |
| Admin fee / account holder | $1,200 | $5,055-76.3% | $7,491-84.0% | $5,124-76.6% |