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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 | $20,751 | $81,403-74.5% | $147,027-85.9% | $87,485-76.3% |
| Participation rate | 42.5% | 63.4%-20.9pp | 73.7%-31.2pp | 68.9%-26.4pp |
| Annual return | 17.07% | 16.51%+0.6pp | 20.23%-3.2pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,246 | $2,205-43.5% | $3,626-65.6% | $2,596-52.0% |
| Participant deferral / active EE | $1,897 | $3,315-42.8% | $4,933-61.5% | $4,274-55.6% |
| Admin fee / account holder | $2,331 | $6,755-65.5% | $12,223-80.9% | $7,775-70.0% |