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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 | $18,563 | $72,269-74.3% | $101,271-81.7% | $79,852-76.8% |
| Participation rate | 46.5% | 68.5%-21.9pp | 75.8%-29.3pp | 69.6%-23.1pp |
| Annual return | 19.88% | 22.29%-2.4pp | 46.48%-26.6pp | 31.72%-11.8pp |
| Employer contribution / active EE | $915 | $2,692-66.0% | $3,660-75.0% | $2,471-63.0% |
| Participant deferral / active EE | $1,631 | $3,282-50.3% | $4,371-62.7% | $3,740-56.4% |
| Admin fee / account holder | $651 | $4,401-85.2% | $5,948-89.1% | $5,306-87.7% |