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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 | $18,240 | $72,492-74.8% | $87,104-79.1% | $72,975-75.0% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.9%-19.3pp | 69.5%-11.9pp |
| Annual return | 18.44% | 24.46%-6.0pp | 28.19%-9.8pp | 81.01%-62.6pp |
| Employer contribution / active EE | $833 | $1,894-56.0% | $2,521-66.9% | $2,440-65.8% |
| Participant deferral / active EE | $2,047 | $3,270-37.4% | $4,048-49.4% | $3,608-43.3% |
| Admin fee / account holder | $446 | $5,055-91.2% | $7,491-94.0% | $5,124-91.3% |