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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 | $22,264 | $80,985-72.5% | $96,576-76.9% | $75,181-70.4% |
| Participation rate | 64.6% | 71.8%-7.2pp | 76.0%-11.4pp | 67.2%-2.6pp |
| Annual return | 20.25% | 27.05%-6.8pp | 25.87%-5.6pp | 160.69%-140.4pp |
| Employer contribution / active EE | $1,481 | $2,282-35.1% | $2,965-50.0% | $2,671-44.5% |
| Participant deferral / active EE | $2,226 | $3,929-43.4% | $4,851-54.1% | $4,126-46.1% |
| Admin fee / account holder | $876 | $6,719-87.0% | $8,253-89.4% | $5,650-84.5% |