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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 | $17,734 | $60,349-70.6% | $74,184-76.1% | $62,881-71.8% |
| Participation rate | 32.6% | 72.7%-40.1pp | 76.6%-44.0pp | 69.3%-36.7pp |
| Annual return | 19.51% | 21.38%-1.9pp | 17.74%+1.8pp | 20.14%-0.6pp |
| Employer contribution / active EE | $506 | $1,680-69.9% | $2,370-78.6% | $2,281-77.8% |
| Participant deferral / active EE | $1,538 | $2,856-46.2% | $3,550-56.7% | $3,203-52.0% |
| Admin fee / account holder | $1,164 | $4,261-72.7% | $5,586-79.2% | $4,296-72.9% |