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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 | $19,253 | $67,602-71.5% | $82,312-76.6% | $70,126-72.5% |
| Participation rate | 61.9% | 72.8%-10.9pp | 76.9%-15.0pp | 69.5%-7.6pp |
| Annual return | 17.95% | 21.57%-3.6pp | 25.88%-7.9pp | 73.15%-55.2pp |
| Employer contribution / active EE | $670 | $1,755-61.8% | $2,428-72.4% | $2,343-71.4% |
| Participant deferral / active EE | $1,434 | $2,987-52.0% | $3,706-61.3% | $3,332-57.0% |
| Admin fee / account holder | $496 | $4,512-89.0% | $5,608-91.2% | $4,645-89.3% |