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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 | $18,382 | $58,493-68.6% | $84,023-78.1% | $72,976-74.8% |
| Participation rate | 54.9% | 61.2%-6.4pp | 69.0%-14.1pp | 69.5%-14.6pp |
| Annual return | 20.55% | 28.93%-8.4pp | 71.32%-50.8pp | 81.02%-60.5pp |
| Employer contribution / active EE | $693 | $1,163-40.5% | $1,984-65.1% | $2,440-71.6% |
| Participant deferral / active EE | $1,178 | $2,394-50.8% | $3,239-63.6% | $3,608-67.3% |
| Admin fee / account holder | $1,721 | $4,569-62.3% | $6,102-71.8% | $5,124-66.4% |