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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 | $26,780 | $95,453-71.9% | $112,040-76.1% | $82,448-67.5% |
| Participation rate | 54.1% | 72.8%-18.7pp | 76.5%-22.4pp | 68.1%-14.0pp |
| Annual return | 15.73% | 23.92%-8.2pp | 24.52%-8.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $848 | $2,318-63.4% | $2,954-71.3% | $2,551-66.7% |
| Participant deferral / active EE | $2,214 | $4,224-47.6% | $5,098-56.6% | $4,139-46.5% |
| Admin fee / account holder | $612 | $9,013-93.2% | $12,098-94.9% | $7,234-91.5% |