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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 | $21,088 | $80,985-74.0% | $96,576-78.2% | $75,181-72.0% |
| Participation rate | 54.4% | 71.8%-17.4pp | 76.0%-21.5pp | 67.2%-12.8pp |
| Annual return | 20.26% | 27.05%-6.8pp | 25.87%-5.6pp | 160.69%-140.4pp |
| Employer contribution / active EE | $727 | $2,282-68.2% | $2,965-75.5% | $2,671-72.8% |
| Participant deferral / active EE | $2,640 | $3,929-32.8% | $4,851-45.6% | $4,126-36.0% |
| Admin fee / account holder | $2,177 | $6,719-67.6% | $8,253-73.6% | $5,650-61.5% |