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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 | $20,961 | $80,985-74.1% | $96,576-78.3% | $75,181-72.1% |
| Participation rate | 57.7% | 71.8%-14.1pp | 76.0%-18.3pp | 67.2%-9.5pp |
| Annual return | 22.40% | 27.05%-4.6pp | 25.87%-3.5pp | 160.69%-138.3pp |
| Employer contribution / active EE | $1,477 | $2,282-35.3% | $2,965-50.2% | $2,671-44.7% |
| Participant deferral / active EE | $2,180 | $3,929-44.5% | $4,851-55.1% | $4,126-47.2% |
| Admin fee / account holder | $1,173 | $6,719-82.5% | $8,253-85.8% | $5,650-79.2% |