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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 | $21,116 | $64,890-67.5% | $134,172-84.3% | $67,986-68.9% |
| Participation rate | 23.3% | 48.5%-25.2pp | 72.5%-49.2pp | 57.2%-33.9pp |
| Annual return | 16.13% | 16.12%0pp | 25.30%-9.2pp | 31.67%-15.5pp |
| Employer contribution / active EE | $449 | $1,360-67.0% | $3,420-86.9% | $2,019-77.8% |
| Participant deferral / active EE | $821 | $2,289-64.1% | $4,690-82.5% | $3,358-75.5% |
| Admin fee / account holder | $1,263 | $3,140-59.8% | $12,016-89.5% | $3,203-60.6% |