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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 | $18,947 | $72,492-73.9% | $87,104-78.2% | $72,975-74.0% |
| Participation rate | 69.0% | 72.8%-3.8pp | 76.9%-7.9pp | 69.5%-0.5pp |
| Annual return | 17.98% | 24.46%-6.5pp | 28.19%-10.2pp | 81.01%-63.0pp |
| Employer contribution / active EE | $894 | $1,894-52.8% | $2,521-64.5% | $2,440-63.4% |
| Participant deferral / active EE | $3,276 | $3,270+0.2% | $4,048-19.1% | $3,608-9.2% |
| Admin fee / account holder | $1,644 | $5,055-67.5% | $7,491-78.1% | $5,124-67.9% |