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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 | $19,687 | $77,472-74.6% | $100,415-80.4% | $80,959-75.7% |
| Participation rate | 45.2% | 76.9%-31.8pp | 81.5%-36.4pp | 67.7%-22.5pp |
| Annual return | 20.35% | 37.26%-16.9pp | 49.47%-29.1pp | 35.67%-15.3pp |
| Employer contribution / active EE | $396 | $2,800-85.9% | $3,943-90.0% | $2,757-85.6% |
| Participant deferral / active EE | $3,280 | $6,818-51.9% | $8,091-59.5% | $4,300-23.7% |
| Admin fee / account holder | $637 | $5,885-89.2% | $7,906-91.9% | $6,925-90.8% |