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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 | $20,098 | $72,269-72.2% | $101,271-80.2% | $79,852-74.8% |
| Participation rate | 63.3% | 68.5%-5.2pp | 75.8%-12.5pp | 69.6%-6.3pp |
| Annual return | 11.06% | 22.29%-11.2pp | 46.48%-35.4pp | 31.72%-20.7pp |
| Employer contribution / active EE | $1,082 | $2,692-59.8% | $3,660-70.4% | $2,471-56.2% |
| Participant deferral / active EE | $1,665 | $3,282-49.3% | $4,371-61.9% | $3,740-55.5% |
| Admin fee / account holder | $1,671 | $4,401-62.0% | $5,948-71.9% | $5,306-68.5% |