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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 | $20,227 | $65,246-69.0% | $98,716-79.5% | $67,986-70.2% |
| Participation rate | 40.9% | 51.4%-10.5pp | 69.3%-28.4pp | 57.2%-16.3pp |
| Annual return | 15.76% | 20.58%-4.8pp | 31.81%-16.0pp | 31.67%-15.9pp |
| Employer contribution / active EE | $467 | $1,042-55.2% | $2,279-79.5% | $2,019-76.9% |
| Participant deferral / active EE | $1,668 | $2,594-35.7% | $4,048-58.8% | $3,358-50.3% |
| Admin fee / account holder | $1,670 | $4,561-63.4% | $8,703-80.8% | $3,203-47.9% |