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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 | $19,849 | $63,904-68.9% | $89,340-77.8% | $67,986-70.8% |
| Participation rate | 22.3% | 54.3%-32.0pp | 69.6%-47.2pp | 57.2%-34.9pp |
| Annual return | 26.61% | 18.09%+8.5pp | 20.57%+6.0pp | 31.67%-5.1pp |
| Employer contribution / active EE | $839 | $1,627-48.4% | $2,231-62.4% | $2,019-58.4% |
| Participant deferral / active EE | $1,411 | $2,691-47.6% | $3,823-63.1% | $3,358-58.0% |
| Admin fee / account holder | $1,107 | $3,315-66.6% | $6,704-83.5% | $3,203-65.4% |