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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 | $23,862 | $69,977-65.9% | $108,582-78.0% | $62,881-62.1% |
| Participation rate | 59.6% | 72.9%-13.3pp | 79.6%-20.0pp | 69.3%-9.7pp |
| Annual return | 5.95% | 10.73%-4.8pp | -51.70%+57.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $929 | $2,135-56.5% | $3,758-75.3% | $2,281-59.3% |
| Participant deferral / active EE | $1,506 | $3,165-52.4% | $4,311-65.1% | $3,203-53.0% |
| Admin fee / account holder | $502 | $5,076-90.1% | $7,645-93.4% | $4,296-88.3% |