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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 | $17,120 | $79,955-78.6% | $98,450-82.6% | $75,181-77.2% |
| Participation rate | 45.5% | 70.4%-24.9pp | 75.2%-29.7pp | 67.2%-21.7pp |
| Annual return | 21.50% | 19.75%+1.7pp | 21.16%+0.3pp | 160.69%-139.2pp |
| Employer contribution / active EE | $623 | $2,264-72.5% | $3,049-79.6% | $2,671-76.7% |
| Participant deferral / active EE | $3,334 | $3,752-11.2% | $4,739-29.7% | $4,126-19.2% |
| Admin fee / account holder | $515 | $6,841-92.5% | $8,961-94.3% | $5,650-90.9% |