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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 | $23,475 | $72,486-67.6% | $87,103-73.0% | $72,976-67.8% |
| Participation rate | 46.4% | 72.8%-26.4pp | 76.9%-30.4pp | 69.5%-23.1pp |
| Annual return | 21.84% | 24.46%-2.6pp | 28.19%-6.4pp | 81.02%-59.2pp |
| Employer contribution / active EE | $1,013 | $1,894-46.5% | $2,521-59.8% | $2,440-58.5% |
| Participant deferral / active EE | $2,019 | $3,270-38.2% | $4,049-50.1% | $3,608-44.0% |
| Admin fee / account holder | $1,079 | $5,055-78.7% | $7,491-85.6% | $5,124-79.0% |