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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 | $21,191 | $81,504-74.0% | $102,437-79.3% | $80,959-73.8% |
| Participation rate | 46.8% | 66.9%-20.1pp | 74.5%-27.7pp | 67.7%-20.9pp |
| Annual return | 11.97% | 25.60%-13.6pp | 24.95%-13.0pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,331 | $3,104-57.1% | $3,871-65.6% | $2,757-51.7% |
| Participant deferral / active EE | $2,916 | $3,871-24.7% | $5,060-42.4% | $4,300-32.2% |
| Admin fee / account holder | $2,073 | $6,719-69.2% | $8,388-75.3% | $6,925-70.1% |