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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 | $22,513 | $65,246-65.5% | $98,716-77.2% | $67,986-66.9% |
| Participation rate | 33.3% | 51.4%-18.1pp | 69.3%-36.0pp | 57.2%-23.9pp |
| Annual return | 18.30% | 20.58%-2.3pp | 31.81%-13.5pp | 31.67%-13.4pp |
| Employer contribution / active EE | $793 | $1,042-23.9% | $2,279-65.2% | $2,019-60.7% |
| Participant deferral / active EE | $2,398 | $2,594-7.5% | $4,048-40.7% | $3,358-28.6% |
| Admin fee / account holder | $2,810 | $4,561-38.4% | $8,703-67.7% | $3,203-12.3% |