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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 | $24,509 | $109,620-77.6% | $148,496-83.5% | $94,015-73.9% |
| Participation rate | 59.5% | 71.3%-11.8pp | 76.0%-16.6pp | 70.8%-11.4pp |
| Annual return | 15.87% | 17.54%-1.7pp | 12.33%+3.5pp | 17.84%-2.0pp |
| Employer contribution / active EE | $658 | $2,618-74.9% | $3,497-81.2% | $2,790-76.4% |
| Participant deferral / active EE | $2,215 | $3,831-42.2% | $4,808-53.9% | $4,249-47.9% |
| Admin fee / account holder | $1,175 | $10,050-88.3% | $19,547-94.0% | $8,951-86.9% |