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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 | $19,177 | $58,868-67.4% | $191,597-90.0% | $64,097-70.1% |
| Participation rate | 45.5% | 50.0%-4.6pp | 76.9%-31.5pp | 55.2%-9.7pp |
| Annual return | 22.62% | 31.54%-8.9pp | 27.07%-4.4pp | 34.64%-12.0pp |
| Employer contribution / active EE | $859 | $2,243-61.7% | $5,025-82.9% | $1,891-54.6% |
| Participant deferral / active EE | $2,188 | $3,724-41.2% | $6,850-68.1% | $3,080-28.9% |
| Admin fee / account holder | $1,064 | $4,871-78.2% | $22,799-95.3% | $3,454-69.2% |