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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 | $19,624 | $76,834-74.5% | $108,359-81.9% | $87,485-77.6% |
| Participation rate | 24.1% | 61.7%-37.6pp | 70.1%-46.0pp | 68.9%-44.8pp |
| Annual return | 24.12% | 19.09%+5.0pp | 36.89%-12.8pp | 26.06%-1.9pp |
| Employer contribution / active EE | $547 | $1,556-64.9% | $2,399-77.2% | $2,596-78.9% |
| Participant deferral / active EE | $1,977 | $3,100-36.2% | $4,137-52.2% | $4,274-53.7% |
| Admin fee / account holder | $2,021 | $6,537-69.1% | $9,741-79.2% | $7,775-74.0% |