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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 | $18,489 | $73,787-74.9% | $98,716-81.3% | $82,448-77.6% |
| Participation rate | 59.3% | 61.4%-2.1pp | 69.3%-10.0pp | 68.1%-8.7pp |
| Annual return | 16.27% | 18.57%-2.3pp | 31.81%-15.5pp | 41.64%-25.4pp |
| Employer contribution / active EE | $786 | $1,511-48.0% | $2,279-65.5% | $2,551-69.2% |
| Participant deferral / active EE | $1,395 | $3,081-54.7% | $4,048-65.5% | $4,139-66.3% |
| Admin fee / account holder | $487 | $6,500-92.5% | $8,703-94.4% | $7,234-93.3% |