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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 | $19,272 | $72,272-73.3% | $101,264-81.0% | $79,858-75.9% |
| Participation rate | 46.2% | 68.5%-22.2pp | 75.8%-29.6pp | 69.6%-23.4pp |
| Annual return | 15.72% | 22.30%-6.6pp | 46.48%-30.8pp | 31.72%-16.0pp |
| Employer contribution / active EE | $1,107 | $2,692-58.9% | $3,660-69.8% | $2,471-55.2% |
| Participant deferral / active EE | $2,567 | $3,282-21.8% | $4,370-41.3% | $3,740-31.4% |
| Admin fee / account holder | $1,709 | $4,401-61.2% | $5,947-71.3% | $5,306-67.8% |