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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 | $21,247 | $81,487-73.9% | $102,412-79.3% | $80,935-73.7% |
| Participation rate | 46.2% | 66.8%-20.7pp | 74.5%-28.3pp | 67.7%-21.5pp |
| Annual return | 13.07% | 25.60%-12.5pp | 24.94%-11.9pp | 35.66%-22.6pp |
| Employer contribution / active EE | $985 | $3,103-68.3% | $3,870-74.6% | $2,757-64.3% |
| Participant deferral / active EE | $2,852 | $3,871-26.3% | $5,060-43.6% | $4,299-33.7% |
| Admin fee / account holder | $6,768 | $6,717+0.8% | $8,388-19.3% | $6,924-2.3% |