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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 | $20,042 | $95,404-79.0% | $113,397-82.3% | $82,637-75.7% |
| Participation rate | 51.5% | 72.8%-21.3pp | 76.5%-25.0pp | 68.1%-16.5pp |
| Annual return | 19.21% | 19.08%+0.1pp | 23.20%-4.0pp | 53.51%-34.3pp |
| Employer contribution / active EE | $873 | $2,307-62.2% | $2,977-70.7% | $2,552-65.8% |
| Participant deferral / active EE | $2,248 | $4,220-46.7% | $5,076-55.7% | $4,126-45.5% |
| Admin fee / account holder | $581 | $9,168-93.7% | $11,957-95.1% | $7,339-92.1% |