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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 | $80,855-72.7% | $153,416-85.6% | $86,983-74.7% |
| Participation rate | 39.0% | 64.1%-25.1pp | 74.3%-35.3pp | 69.5%-30.5pp |
| Annual return | 19.31% | 16.18%+3.1pp | 17.84%+1.5pp | 25.83%-6.5pp |
| Employer contribution / active EE | $940 | $2,308-59.3% | $3,764-75.0% | $2,584-63.6% |
| Participant deferral / active EE | $1,499 | $3,333-55.0% | $4,723-68.3% | $4,194-64.3% |
| Admin fee / account holder | $9,819 | $6,908+42.1% | $13,095-25.0% | $7,856+25.0% |