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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 | $21,662 | $93,055-76.7% | $153,643-85.9% | $80,935-73.2% |
| Participation rate | 62.2% | 69.0%-6.8pp | 77.1%-14.9pp | 67.7%-5.5pp |
| Annual return | 17.41% | 19.97%-2.6pp | 15.71%+1.7pp | 35.66%-18.3pp |
| Employer contribution / active EE | $1,085 | $3,504-69.0% | $5,039-78.5% | $2,757-60.6% |
| Participant deferral / active EE | $4,446 | $5,172-14.0% | $6,754-34.2% | $4,299+3.4% |
| Admin fee / account holder | $1,053 | $8,881-88.1% | $12,739-91.7% | $6,924-84.8% |