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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 | $21,294 | $115,931-81.6% | $185,441-88.5% | $86,983-75.5% |
| Participation rate | 69.2% | 73.6%-4.4pp | 80.3%-11.0pp | 69.5%-0.3pp |
| Annual return | 18.23% | 21.47%-3.2pp | 20.16%-1.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,030 | $2,937-64.9% | $4,672-78.0% | $2,584-60.1% |
| Participant deferral / active EE | $4,127 | $4,551-9.3% | $6,152-32.9% | $4,194-1.6% |
| Admin fee / account holder | $816 | $10,687-92.4% | $17,890-95.4% | $7,856-89.6% |