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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 | $20,827 | $100,194-79.2% | $122,979-83.1% | $86,983-76.1% |
| Participation rate | 46.7% | 73.0%-26.3pp | 77.2%-30.5pp | 69.5%-22.9pp |
| Annual return | 19.53% | 16.47%+3.1pp | 20.12%-0.6pp | 25.83%-6.3pp |
| Employer contribution / active EE | $903 | $2,326-61.2% | $3,062-70.5% | $2,584-65.0% |
| Participant deferral / active EE | $2,668 | $4,133-35.4% | $5,003-46.7% | $4,194-36.4% |
| Admin fee / account holder | $3,194 | $10,148-68.5% | $12,864-75.2% | $7,856-59.3% |