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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 | $19,331 | $76,551-74.7% | $123,894-84.4% | $62,881-69.3% |
| Participation rate | 64.6% | 73.0%-8.4pp | 81.4%-16.8pp | 69.3%-4.7pp |
| Annual return | 8.46% | 18.68%-10.2pp | 47.52%-39.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,563 | $2,882-45.8% | $4,617-66.1% | $2,281-31.5% |
| Participant deferral / active EE | $2,112 | $4,840-56.4% | $5,984-64.7% | $3,203-34.1% |
| Admin fee / account holder | $540 | $4,826-88.8% | $8,357-93.5% | $4,296-87.4% |