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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 | $19,774 | $80,992-75.6% | $96,534-79.5% | $75,173-73.7% |
| Participation rate | 66.2% | 71.8%-5.6pp | 76.0%-9.8pp | 67.2%-1.0pp |
| Annual return | 15.85% | 27.05%-11.2pp | 25.88%-10.0pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,705 | $2,283-25.3% | $2,965-42.5% | $2,671-36.2% |
| Participant deferral / active EE | $2,254 | $3,929-42.6% | $4,851-53.5% | $4,126-45.4% |
| Admin fee / account holder | $1,279 | $6,717-81.0% | $8,253-84.5% | $5,651-77.4% |