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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 | $17,922 | $86,949-79.4% | $102,460-82.5% | $80,959-77.9% |
| Participation rate | 42.1% | 72.4%-30.3pp | 76.5%-34.4pp | 67.7%-25.6pp |
| Annual return | 15.31% | 18.89%-3.6pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,599 | $2,370-32.5% | $3,025-47.2% | $2,757-42.0% |
| Participant deferral / active EE | $2,338 | $4,121-43.3% | $5,056-53.8% | $4,300-45.6% |
| Admin fee / account holder | $1,569 | $8,048-80.5% | $9,460-83.4% | $6,925-77.3% |