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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 | $64,010-70.9% | $108,359-82.8% | $64,340-71.1% |
| Participation rate | 21.7% | 49.4%-27.7pp | 70.1%-48.5pp | 55.2%-33.6pp |
| Annual return | 12.99% | 19.74%-6.7pp | 36.89%-23.9pp | 24.14%-11.2pp |
| Employer contribution / active EE | $400 | $1,029-61.1% | $2,399-83.3% | $1,862-78.5% |
| Participant deferral / active EE | $1,109 | $2,395-53.7% | $4,137-73.2% | $2,980-62.8% |
| Admin fee / account holder | $3,629 | $4,885-25.7% | $9,741-62.7% | $3,703-2.0% |