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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 | $19,339 | $72,273-73.2% | $101,275-80.9% | $79,856-75.8% |
| Participation rate | 53.2% | 68.5%-15.3pp | 75.8%-22.6pp | 69.6%-16.4pp |
| Annual return | 17.88% | 22.30%-4.4pp | 46.48%-28.6pp | 31.71%-13.8pp |
| Employer contribution / active EE | $1,174 | $2,691-56.4% | $3,660-67.9% | $2,471-52.5% |
| Participant deferral / active EE | $1,986 | $3,282-39.5% | $4,371-54.6% | $3,741-46.9% |
| Admin fee / account holder | $2,125 | $4,401-51.7% | $5,948-64.3% | $5,306-60.0% |