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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 | $18,528 | $110,137-83.2% | $161,149-88.5% | $82,637-77.6% |
| Participation rate | 28.1% | 72.4%-44.2pp | 78.8%-50.7pp | 68.1%-39.9pp |
| Annual return | 18.25% | 20.69%-2.4pp | 21.16%-2.9pp | 53.51%-35.3pp |
| Employer contribution / active EE | $967 | $2,856-66.1% | $4,360-77.8% | $2,552-62.1% |
| Participant deferral / active EE | $2,270 | $4,575-50.4% | $6,153-63.1% | $4,126-45.0% |
| Admin fee / account holder | $912 | $9,467-90.4% | $15,194-94.0% | $7,339-87.6% |