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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 | $27,934 | $87,465-68.1% | $122,979-77.3% | $65,306-57.2% |
| Participation rate | 51.0% | 66.0%-15.1pp | 77.2%-26.2pp | 57.7%-6.7pp |
| Annual return | 17.46% | 19.76%-2.3pp | 20.12%-2.7pp | 21.94%-4.5pp |
| Employer contribution / active EE | $898 | $2,156-58.4% | $3,062-70.7% | $1,967-54.4% |
| Participant deferral / active EE | $2,025 | $3,705-45.4% | $5,003-59.5% | $2,959-31.6% |
| Admin fee / account holder | $662 | $5,100-87.0% | $12,864-94.9% | $3,480-81.0% |