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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 | $22,193 | $95,453-76.7% | $112,040-80.2% | $82,448-73.1% |
| Participation rate | 46.1% | 72.8%-26.7pp | 76.5%-30.4pp | 68.1%-22.0pp |
| Annual return | 23.32% | 23.92%-0.6pp | 24.52%-1.2pp | 41.64%-18.3pp |
| Employer contribution / active EE | $821 | $2,318-64.6% | $2,954-72.2% | $2,551-67.8% |
| Participant deferral / active EE | $2,792 | $4,224-33.9% | $5,098-45.2% | $4,139-32.6% |
| Admin fee / account holder | $2,642 | $9,013-70.7% | $12,098-78.2% | $7,234-63.5% |