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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 | $23,550 | $82,979-71.6% | $102,412-77.0% | $77,736-69.7% |
| Participation rate | 50.6% | 71.5%-21.0pp | 74.5%-23.9pp | 70.6%-20.0pp |
| Annual return | 21.23% | 19.11%+2.1pp | 24.94%-3.7pp | 31.26%-10.0pp |
| Employer contribution / active EE | $1,475 | $3,554-58.5% | $3,870-61.9% | $2,728-45.9% |
| Participant deferral / active EE | $2,386 | $4,109-41.9% | $5,060-52.9% | $4,651-48.7% |
| Admin fee / account holder | $419 | $639-34.4% | $8,388-95.0% | $433-3.3% |