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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 | $19,659 | $60,349-67.4% | $74,184-73.5% | $62,881-68.7% |
| Participation rate | 51.5% | 72.7%-21.2pp | 76.6%-25.1pp | 69.3%-17.8pp |
| Annual return | 6.25% | 21.38%-15.1pp | 17.74%-11.5pp | 20.14%-13.9pp |
| Employer contribution / active EE | $781 | $1,680-53.5% | $2,370-67.0% | $2,281-65.8% |
| Participant deferral / active EE | $1,440 | $2,856-49.6% | $3,550-59.4% | $3,203-55.0% |
| Admin fee / account holder | $1,194 | $4,261-72.0% | $5,586-78.6% | $4,296-72.2% |