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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 | $20,467 | $60,349-66.1% | $74,184-72.4% | $62,881-67.5% |
| Participation rate | 43.5% | 72.7%-29.2pp | 76.6%-33.1pp | 69.3%-25.8pp |
| Annual return | 16.74% | 21.38%-4.6pp | 17.74%-1.0pp | 20.14%-3.4pp |
| Employer contribution / active EE | $1,003 | $1,680-40.3% | $2,370-57.7% | $2,281-56.0% |
| Participant deferral / active EE | $3,972 | $2,856+39.1% | $3,550+11.9% | $3,203+24.0% |
| Admin fee / account holder | $1,105 | $4,261-74.1% | $5,586-80.2% | $4,296-74.3% |