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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 | $19,801 | $76,371-74.1% | $93,621-78.8% | $72,975-72.9% |
| Participation rate | 64.8% | 71.8%-6.9pp | 75.8%-11.0pp | 69.5%-4.7pp |
| Annual return | 20.78% | 25.82%-5.0pp | 32.76%-12.0pp | 81.01%-60.2pp |
| Employer contribution / active EE | $1,096 | $2,276-51.9% | $2,719-59.7% | $2,440-55.1% |
| Participant deferral / active EE | $1,982 | $3,538-44.0% | $4,070-51.3% | $3,608-45.1% |
| Admin fee / account holder | $1,671 | $6,839-75.6% | $7,890-78.8% | $5,124-67.4% |