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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 | $20,226 | $72,486-72.1% | $87,103-76.8% | $72,976-72.3% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 23.35% | 24.46%-1.1pp | 28.19%-4.8pp | 81.02%-57.7pp |
| Employer contribution / active EE | $1,179 | $1,894-37.7% | $2,521-53.2% | $2,440-51.7% |
| Participant deferral / active EE | $2,011 | $3,270-38.5% | $4,049-50.3% | $3,608-44.3% |
| Admin fee / account holder | $1,089 | $5,055-78.5% | $7,491-85.5% | $5,124-78.8% |