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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 | $24,458 | $177,156-86.2% | $147,027-83.4% | $154,746-84.2% |
| Participation rate | 42.1% | 79.4%-37.2pp | 73.7%-31.6pp | 80.7%-38.6pp |
| Annual return | 18.25% | 21.94%-3.7pp | 20.23%-2.0pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,030 | $4,336-76.2% | $3,626-71.6% | $4,379-76.5% |
| Participant deferral / active EE | $1,559 | $5,797-73.1% | $4,933-68.4% | $6,730-76.8% |
| Admin fee / account holder | $398 | $14,904-97.3% | $12,223-96.7% | $14,365-97.2% |