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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 | $18,597 | $65,246-71.5% | $98,716-81.2% | $67,986-72.6% |
| Participation rate | 21.7% | 51.4%-29.8pp | 69.3%-47.6pp | 57.2%-35.5pp |
| Annual return | 12.99% | 20.58%-7.6pp | 31.81%-18.8pp | 31.67%-18.7pp |
| Employer contribution / active EE | $400 | $1,042-61.6% | $2,279-82.4% | $2,019-80.2% |
| Participant deferral / active EE | $1,109 | $2,594-57.2% | $4,048-72.6% | $3,358-67.0% |
| Admin fee / account holder | $3,629 | $4,561-20.4% | $8,703-58.3% | $3,203+13.3% |