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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 | $22,719 | $72,486-68.7% | $87,103-73.9% | $72,976-68.9% |
| Participation rate | 51.4% | 72.8%-21.4pp | 76.9%-25.4pp | 69.5%-18.1pp |
| Annual return | 23.28% | 24.46%-1.2pp | 28.19%-4.9pp | 81.02%-57.7pp |
| Employer contribution / active EE | $598 | $1,894-68.4% | $2,521-76.3% | $2,440-75.5% |
| Participant deferral / active EE | $2,668 | $3,270-18.4% | $4,049-34.1% | $3,608-26.1% |
| Admin fee / account holder | $2,095 | $5,055-58.6% | $7,491-72.0% | $5,124-59.1% |