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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 | $20,869 | $86,940-76.0% | $102,434-79.6% | $80,935-74.2% |
| Participation rate | 37.8% | 72.4%-34.6pp | 76.5%-38.7pp | 67.7%-29.9pp |
| Annual return | 33.38% | 18.89%+14.5pp | 29.46%+3.9pp | 35.66%-2.3pp |
| Employer contribution / active EE | $817 | $2,370-65.5% | $3,023-73.0% | $2,757-70.4% |
| Participant deferral / active EE | $2,567 | $4,121-37.7% | $5,055-49.2% | $4,299-40.3% |
| Admin fee / account holder | $1,839 | $8,047-77.2% | $9,462-80.6% | $6,924-73.4% |