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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 | $23,020 | $60,349-61.9% | $74,184-69.0% | $62,881-63.4% |
| Participation rate | 40.6% | 72.7%-32.1pp | 76.6%-36.0pp | 69.3%-28.7pp |
| Annual return | 7.81% | 21.38%-13.6pp | 17.74%-9.9pp | 20.14%-12.3pp |
| Employer contribution / active EE | $504 | $1,680-70.0% | $2,370-78.7% | $2,281-77.9% |
| Participant deferral / active EE | $2,404 | $2,856-15.8% | $3,550-32.3% | $3,203-24.9% |
| Admin fee / account holder | $2,468 | $4,261-42.1% | $5,586-55.8% | $4,296-42.6% |