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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 | $27,105 | $114,712-76.4% | $173,730-84.4% | $87,485-69.0% |
| Participation rate | 57.7% | 73.0%-15.3pp | 79.6%-21.9pp | 68.9%-11.2pp |
| Annual return | 17.95% | 20.18%-2.2pp | 19.96%-2.0pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,166 | $2,904-59.8% | $4,577-74.5% | $2,596-55.1% |
| Participant deferral / active EE | $2,425 | $4,642-47.8% | $6,326-61.7% | $4,274-43.3% |
| Admin fee / account holder | $1,292 | $10,210-87.3% | $17,523-92.6% | $7,775-83.4% |