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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 | $64,734-69.3% | $90,796-78.1% | $64,097-69.0% |
| Participation rate | 22.3% | 53.2%-30.9pp | 69.5%-47.2pp | 55.2%-32.9pp |
| Annual return | 26.61% | 17.77%+8.8pp | 19.29%+7.3pp | 34.64%-8.0pp |
| Employer contribution / active EE | $839 | $1,703-50.7% | $2,294-63.4% | $1,891-55.6% |
| Participant deferral / active EE | $1,411 | $2,629-46.3% | $3,822-63.1% | $3,080-54.2% |
| Admin fee / account holder | $1,107 | $3,474-68.1% | $7,024-84.2% | $3,454-68.0% |