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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 | $19,210 | $81,487-76.4% | $102,412-81.2% | $80,935-76.3% |
| Participation rate | 55.4% | 66.8%-11.4pp | 74.5%-19.1pp | 67.7%-12.2pp |
| Annual return | 17.57% | 25.60%-8.0pp | 24.94%-7.4pp | 35.66%-18.1pp |
| Employer contribution / active EE | $1,387 | $3,103-55.3% | $3,870-64.2% | $2,757-49.7% |
| Participant deferral / active EE | $2,210 | $3,871-42.9% | $5,060-56.3% | $4,299-48.6% |
| Admin fee / account holder | $987 | $6,717-85.3% | $8,388-88.2% | $6,924-85.7% |