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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 | $24,867 | $77,670-68.0% | $125,529-80.2% | $65,306-61.9% |
| Participation rate | 42.7% | 63.2%-20.4pp | 74.7%-32.0pp | 57.7%-14.9pp |
| Annual return | 17.25% | 15.16%+2.1pp | 202.56%-185.3pp | 21.94%-4.7pp |
| Employer contribution / active EE | $957 | $2,099-54.4% | $3,058-68.7% | $1,967-51.4% |
| Participant deferral / active EE | $1,448 | $3,095-53.2% | $4,813-69.9% | $2,959-51.1% |
| Admin fee / account holder | $2,559 | $3,598-28.9% | $16,298-84.3% | $3,480-26.4% |