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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 | $23,976 | $76,371-68.6% | $93,621-74.4% | $72,975-67.1% |
| Participation rate | 46.5% | 71.8%-25.2pp | 75.8%-29.3pp | 69.5%-23.0pp |
| Annual return | 19.69% | 25.82%-6.1pp | 32.76%-13.1pp | 81.01%-61.3pp |
| Employer contribution / active EE | $1,072 | $2,276-52.9% | $2,719-60.6% | $2,440-56.1% |
| Participant deferral / active EE | $2,053 | $3,538-42.0% | $4,070-49.6% | $3,608-43.1% |
| Admin fee / account holder | $2,016 | $6,839-70.5% | $7,890-74.4% | $5,124-60.7% |