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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 | $19,773 | $76,834-74.3% | $108,359-81.8% | $87,485-77.4% |
| Participation rate | 37.9% | 61.7%-23.8pp | 70.1%-32.2pp | 68.9%-31.1pp |
| Annual return | 17.57% | 19.09%-1.5pp | 36.89%-19.3pp | 26.06%-8.5pp |
| Employer contribution / active EE | $834 | $1,556-46.4% | $2,399-65.2% | $2,596-67.9% |
| Participant deferral / active EE | $1,375 | $3,100-55.7% | $4,137-66.8% | $4,274-67.8% |
| Admin fee / account holder | $371 | $6,537-94.3% | $9,741-96.2% | $7,775-95.2% |