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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 | $22,041 | $81,403-72.9% | $147,027-85.0% | $87,485-74.8% |
| Participation rate | 39.0% | 63.4%-24.4pp | 73.7%-34.7pp | 68.9%-29.9pp |
| Annual return | 19.31% | 16.51%+2.8pp | 20.23%-0.9pp | 26.06%-6.8pp |
| Employer contribution / active EE | $940 | $2,205-57.4% | $3,626-74.1% | $2,596-63.8% |
| Participant deferral / active EE | $1,499 | $3,315-54.8% | $4,933-69.6% | $4,274-64.9% |
| Admin fee / account holder | $9,819 | $6,755+45.4% | $12,223-19.7% | $7,775+26.3% |