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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 | $20,335 | $79,867-74.5% | $120,344-83.1% | $64,340-68.4% |
| Participation rate | 33.9% | 63.0%-29.0pp | 76.7%-42.8pp | 55.2%-21.3pp |
| Annual return | 17.35% | 21.10%-3.8pp | 20.30%-2.9pp | 24.14%-6.8pp |
| Employer contribution / active EE | $682 | $1,925-64.6% | $3,020-77.4% | $1,862-63.4% |
| Participant deferral / active EE | $1,840 | $3,593-48.8% | $5,135-64.2% | $2,980-38.3% |
| Admin fee / account holder | $1,731 | $5,039-65.7% | $12,742-86.4% | $3,703-53.3% |