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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 | $20,260 | $76,371-73.5% | $93,621-78.4% | $72,975-72.2% |
| Participation rate | 63.4% | 71.8%-8.3pp | 75.8%-12.4pp | 69.5%-6.1pp |
| Annual return | 16.76% | 25.82%-9.1pp | 32.76%-16.0pp | 81.01%-64.3pp |
| Employer contribution / active EE | $1,264 | $2,276-44.5% | $2,719-53.5% | $2,440-48.2% |
| Participant deferral / active EE | $2,047 | $3,538-42.2% | $4,070-49.7% | $3,608-43.3% |
| Admin fee / account holder | $1,353 | $6,839-80.2% | $7,890-82.8% | $5,124-73.6% |