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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 | $19,036 | $73,978-74.3% | $96,515-80.3% | $75,173-74.7% |
| Participation rate | 55.8% | 66.4%-10.6pp | 74.3%-18.5pp | 67.2%-11.4pp |
| Annual return | 16.51% | 26.72%-10.2pp | 35.73%-19.2pp | 160.72%-144.2pp |
| Employer contribution / active EE | $1,491 | $2,931-49.1% | $3,740-60.1% | $2,671-44.2% |
| Participant deferral / active EE | $2,298 | $3,660-37.2% | $4,880-52.9% | $4,126-44.3% |
| Admin fee / account holder | $1,183 | $5,219-77.3% | $6,735-82.4% | $5,651-79.1% |