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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 | $24,110 | $100,194-75.9% | $122,979-80.4% | $86,983-72.3% |
| Participation rate | 61.8% | 73.0%-11.2pp | 77.2%-15.4pp | 69.5%-7.8pp |
| Annual return | 11.72% | 16.47%-4.8pp | 20.12%-8.4pp | 25.83%-14.1pp |
| Employer contribution / active EE | $1,013 | $2,326-56.5% | $3,062-66.9% | $2,584-60.8% |
| Participant deferral / active EE | $3,478 | $4,133-15.8% | $5,003-30.5% | $4,194-17.1% |
| Admin fee / account holder | $868 | $10,148-91.4% | $12,864-93.2% | $7,856-88.9% |