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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 | $22,151 | $86,940-74.5% | $102,434-78.4% | $80,935-72.6% |
| Participation rate | 40.7% | 72.4%-31.6pp | 76.5%-35.8pp | 67.7%-26.9pp |
| Annual return | 13.09% | 18.89%-5.8pp | 29.46%-16.4pp | 35.66%-22.6pp |
| Employer contribution / active EE | $1,112 | $2,370-53.1% | $3,023-63.2% | $2,757-59.6% |
| Participant deferral / active EE | $2,113 | $4,121-48.7% | $5,055-58.2% | $4,299-50.9% |
| Admin fee / account holder | $2,625 | $8,047-67.4% | $9,462-72.3% | $6,924-62.1% |