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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 | $19,513 | $76,696-74.6% | $96,515-79.8% | $71,511-72.7% |
| Participation rate | 31.5% | 66.6%-35.1pp | 74.3%-42.8pp | 67.9%-36.4pp |
| Annual return | 19.24% | 48.32%-29.1pp | 35.73%-16.5pp | 28.86%-9.6pp |
| Employer contribution / active EE | $882 | $3,032-70.9% | $3,740-76.4% | $2,589-66.0% |
| Participant deferral / active EE | $1,788 | $3,770-52.6% | $4,880-63.4% | $4,291-58.3% |
| Admin fee / account holder | $4,550 | $2,030+124.1% | $6,735-32.5% | $1,588+186.4% |