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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 | $21,188 | $65,376-67.6% | $87,102-75.7% | $65,185-67.5% |
| Participation rate | 55.6% | 75.3%-19.7pp | 76.9%-21.2pp | 70.2%-14.6pp |
| Annual return | 31.20% | 31.27%-0.1pp | 28.19%+3.0pp | 29.38%+1.8pp |
| Employer contribution / active EE | $747 | $1,822-59.0% | $2,521-70.4% | $2,177-65.7% |
| Participant deferral / active EE | $2,374 | $3,388-29.9% | $4,048-41.4% | $3,514-32.4% |
| Admin fee / account holder | $368 | $520-29.1% | $7,491-95.1% | $847-56.5% |