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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 | $24,072 | $97,550-75.3% | $120,344-80.0% | $87,485-72.5% |
| Participation rate | 60.6% | 72.8%-12.3pp | 76.7%-16.1pp | 68.9%-8.4pp |
| Annual return | 16.10% | 18.41%-2.3pp | 20.30%-4.2pp | 26.06%-10.0pp |
| Employer contribution / active EE | $1,491 | $2,291-34.9% | $3,020-50.6% | $2,596-42.6% |
| Participant deferral / active EE | $2,148 | $4,230-49.2% | $5,135-58.2% | $4,274-49.7% |
| Admin fee / account holder | $1,497 | $9,543-84.3% | $12,742-88.2% | $7,775-80.7% |