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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 | $22,056 | $77,677-71.6% | $109,173-79.8% | $79,391-72.2% |
| Participation rate | 37.8% | 67.8%-30.0pp | 75.9%-38.0pp | 70.7%-32.9pp |
| Annual return | 15.72% | 23.44%-7.7pp | 25.75%-10.0pp | 116.88%-101.2pp |
| Employer contribution / active EE | $1,171 | $2,798-58.1% | $3,723-68.5% | $2,428-51.7% |
| Participant deferral / active EE | $1,779 | $3,517-49.4% | $4,654-61.8% | $4,046-56.0% |
| Admin fee / account holder | $1,313 | $732+79.3% | $6,755-80.6% | $627+109.6% |