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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 | $18,686 | $83,485-77.6% | $125,192-85.1% | $72,975-74.4% |
| Participation rate | 37.5% | 73.3%-35.8pp | 79.8%-42.3pp | 69.5%-32.0pp |
| Annual return | 22.72% | 25.77%-3.0pp | 43.79%-21.1pp | 81.01%-58.3pp |
| Employer contribution / active EE | $585 | $2,346-75.1% | $3,866-84.9% | $2,440-76.0% |
| Participant deferral / active EE | $2,167 | $3,586-39.6% | $4,937-56.1% | $3,608-39.9% |
| Admin fee / account holder | $653 | $5,518-88.2% | $9,704-93.3% | $5,124-87.3% |