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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 | $20,689 | $93,345-77.8% | $119,126-82.6% | $87,485-76.4% |
| Participation rate | 28.0% | 68.7%-40.7pp | 75.8%-47.8pp | 68.9%-40.9pp |
| Annual return | 21.30% | 19.08%+2.2pp | 282.11%-260.8pp | 26.06%-4.8pp |
| Employer contribution / active EE | $867 | $3,172-72.7% | $4,034-78.5% | $2,596-66.6% |
| Participant deferral / active EE | $1,794 | $4,099-56.2% | $5,318-66.3% | $4,274-58.0% |
| Admin fee / account holder | $904 | $8,039-88.8% | $10,693-91.5% | $7,775-88.4% |