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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 | $20,351 | $75,058-72.9% | $152,301-86.6% | $64,340-68.4% |
| Participation rate | 59.1% | 60.9%-1.8pp | 82.4%-23.4pp | 55.2%+3.8pp |
| Annual return | 21.01% | 29.93%-8.9pp | 80.50%-59.5pp | 24.14%-3.1pp |
| Employer contribution / active EE | $1,476 | $2,605-43.3% | $4,624-68.1% | $1,862-20.7% |
| Participant deferral / active EE | $2,474 | $5,041-50.9% | $8,004-69.1% | $2,980-17.0% |
| Admin fee / account holder | $1,058 | $4,050-73.9% | $14,398-92.6% | $3,703-71.4% |