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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 | $80,855-74.3% | $153,416-86.5% | $86,983-76.1% |
| Participation rate | 42.5% | 64.1%-21.6pp | 74.3%-31.8pp | 69.5%-27.0pp |
| Annual return | 17.07% | 16.18%+0.9pp | 17.84%-0.8pp | 25.83%-8.8pp |
| Employer contribution / active EE | $1,246 | $2,308-46.0% | $3,764-66.9% | $2,584-51.8% |
| Participant deferral / active EE | $1,897 | $3,333-43.1% | $4,723-59.8% | $4,194-54.8% |
| Admin fee / account holder | $2,331 | $6,908-66.3% | $13,095-82.2% | $7,856-70.3% |