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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 | $12,692 | $53,777-76.4% | $134,155-90.5% | $79,858-84.1% |
| Participation rate | 48.3% | 58.8%-10.5pp | 72.2%-23.9pp | 69.6%-21.4pp |
| Annual return | 18.80% | 19.01%-0.2pp | 36.34%-17.5pp | 31.72%-12.9pp |
| Employer contribution / active EE | $345 | $1,321-73.9% | $3,705-90.7% | $2,471-86.0% |
| Participant deferral / active EE | $1,212 | $2,420-49.9% | $3,500-65.4% | $3,740-67.6% |
| Admin fee / account holder | $928 | $3,984-76.7% | $6,685-86.1% | $5,306-82.5% |