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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 | $18,072 | $77,896-76.8% | $134,172-86.5% | $82,448-78.1% |
| Participation rate | 40.7% | 62.8%-22.0pp | 72.5%-31.7pp | 68.1%-27.3pp |
| Annual return | 23.41% | 18.21%+5.2pp | 25.30%-1.9pp | 41.64%-18.2pp |
| Employer contribution / active EE | $851 | $2,159-60.6% | $3,420-75.1% | $2,551-66.6% |
| Participant deferral / active EE | $1,633 | $3,162-48.4% | $4,690-65.2% | $4,139-60.5% |
| Admin fee / account holder | $1,021 | $6,336-83.9% | $12,016-91.5% | $7,234-85.9% |