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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 | $18,227 | $54,380-66.5% | $68,509-73.4% | $59,633-69.4% |
| Participation rate | 60.9% | 70.2%-9.3pp | 74.7%-13.8pp | 68.7%-7.8pp |
| Annual return | 2.83% | 2.83%0pp | 8.27%-5.4pp | 2041.45%-2038.6pp |
| Employer contribution / active EE | $1,197 | $1,539-22.2% | $2,278-47.4% | $2,203-45.6% |
| Participant deferral / active EE | $2,620 | $2,643-0.9% | $3,382-22.5% | $3,192-17.9% |
| Admin fee / account holder | $2,819 | $3,885-27.5% | $5,275-46.6% | $4,297-34.4% |