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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 | $21,187 | $62,086-65.9% | $90,259-76.5% | $64,340-67.1% |
| Participation rate | 45.0% | 53.9%-8.9pp | 70.7%-25.7pp | 55.2%-10.2pp |
| Annual return | 19.00% | 16.73%+2.3pp | 18.88%+0.1pp | 24.14%-5.1pp |
| Employer contribution / active EE | $592 | $1,883-68.6% | $2,291-74.2% | $1,862-68.2% |
| Participant deferral / active EE | $1,021 | $2,557-60.1% | $3,827-73.3% | $2,980-65.7% |
| Admin fee / account holder | $1,761 | $3,317-46.9% | $7,267-75.8% | $3,703-52.4% |