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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 | $18,222 | $72,486-74.9% | $87,103-79.1% | $72,976-75.0% |
| Participation rate | 58.8% | 72.8%-14.0pp | 76.9%-18.1pp | 69.5%-10.7pp |
| Annual return | 18.90% | 24.46%-5.6pp | 28.19%-9.3pp | 81.02%-62.1pp |
| Employer contribution / active EE | $1,030 | $1,894-45.6% | $2,521-59.1% | $2,440-57.8% |
| Participant deferral / active EE | $2,012 | $3,270-38.5% | $4,049-50.3% | $3,608-44.2% |
| Admin fee / account holder | $2,193 | $5,055-56.6% | $7,491-70.7% | $5,124-57.2% |