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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 | $20,392 | $81,504-75.0% | $102,437-80.1% | $80,959-74.8% |
| Participation rate | 29.6% | 66.9%-37.3pp | 74.5%-44.9pp | 67.7%-38.1pp |
| Annual return | 31.71% | 25.60%+6.1pp | 24.95%+6.8pp | 35.67%-4.0pp |
| Employer contribution / active EE | $1,144 | $3,104-63.1% | $3,871-70.4% | $2,757-58.5% |
| Participant deferral / active EE | $2,123 | $3,871-45.2% | $5,060-58.1% | $4,300-50.6% |
| Admin fee / account holder | $897 | $6,719-86.7% | $8,388-89.3% | $6,925-87.0% |