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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 | $27,880 | $87,180-68.0% | $173,703-83.9% | $94,015-70.3% |
| Participation rate | 28.6% | 65.6%-37.0pp | 75.9%-47.3pp | 70.8%-42.2pp |
| Annual return | 21.81% | 14.17%+7.6pp | 17.46%+4.4pp | 17.84%+4.0pp |
| Employer contribution / active EE | $640 | $2,494-74.3% | $4,288-85.1% | $2,790-77.0% |
| Participant deferral / active EE | $2,298 | $3,343-31.2% | $4,854-52.7% | $4,249-45.9% |
| Admin fee / account holder | $330 | $7,506-95.6% | $15,562-97.9% | $8,951-96.3% |