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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 | $21,019 | $100,784-79.1% | $191,597-89.0% | $82,637-74.6% |
| Participation rate | 60.7% | 70.5%-9.8pp | 76.9%-16.3pp | 68.1%-7.4pp |
| Annual return | 20.33% | 18.13%+2.2pp | 27.07%-6.7pp | 53.51%-33.2pp |
| Employer contribution / active EE | $1,100 | $3,102-64.6% | $5,025-78.1% | $2,552-56.9% |
| Participant deferral / active EE | $2,539 | $4,937-48.6% | $6,850-62.9% | $4,126-38.5% |
| Admin fee / account holder | $666 | $10,062-93.4% | $22,799-97.1% | $7,339-90.9% |