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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 | $21,263 | $81,504-73.9% | $102,437-79.2% | $80,959-73.7% |
| Participation rate | 42.1% | 66.9%-24.7pp | 74.5%-32.4pp | 67.7%-25.6pp |
| Annual return | 12.37% | 25.60%-13.2pp | 24.95%-12.6pp | 35.67%-23.3pp |
| Employer contribution / active EE | $901 | $3,104-71.0% | $3,871-76.7% | $2,757-67.3% |
| Participant deferral / active EE | $1,757 | $3,871-54.6% | $5,060-65.3% | $4,300-59.1% |
| Admin fee / account holder | $3,371 | $6,719-49.8% | $8,388-59.8% | $6,925-51.3% |