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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 | $18,177 | $77,896-76.7% | $134,172-86.5% | $82,448-78.0% |
| Participation rate | 56.3% | 62.8%-6.5pp | 72.5%-16.2pp | 68.1%-11.8pp |
| Annual return | 19.59% | 18.21%+1.4pp | 25.30%-5.7pp | 41.64%-22.1pp |
| Employer contribution / active EE | $807 | $2,159-62.6% | $3,420-76.4% | $2,551-68.4% |
| Participant deferral / active EE | $1,179 | $3,162-62.7% | $4,690-74.9% | $4,139-71.5% |
| Admin fee / account holder | $1,297 | $6,336-79.5% | $12,016-89.2% | $7,234-82.1% |