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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 | $27,073 | $83,898-67.7% | $133,346-79.7% | $94,015-71.2% |
| Participation rate | 60.3% | 63.4%-3.0pp | 72.8%-12.5pp | 70.8%-10.5pp |
| Annual return | 15.61% | 16.00%-0.4pp | 36.85%-21.2pp | 17.84%-2.2pp |
| Employer contribution / active EE | $709 | $1,821-61.1% | $2,853-75.1% | $2,790-74.6% |
| Participant deferral / active EE | $1,720 | $3,245-47.0% | $4,332-60.3% | $4,249-59.5% |
| Admin fee / account holder | $3,583 | $7,809-54.1% | $14,264-74.9% | $8,951-60.0% |