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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 | $19,060 | $81,487-76.6% | $102,412-81.4% | $80,935-76.5% |
| Participation rate | 38.8% | 66.8%-28.1pp | 74.5%-35.8pp | 67.7%-28.9pp |
| Annual return | 14.34% | 25.60%-11.3pp | 24.94%-10.6pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,445 | $3,103-53.4% | $3,870-62.6% | $2,757-47.6% |
| Participant deferral / active EE | $1,865 | $3,871-51.8% | $5,060-63.1% | $4,299-56.6% |
| Admin fee / account holder | $1,704 | $6,717-74.6% | $8,388-79.7% | $6,924-75.4% |