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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 | $21,289 | $64,890-67.2% | $134,172-84.1% | $67,986-68.7% |
| Participation rate | 23.3% | 48.5%-25.2pp | 72.5%-49.2pp | 57.2%-33.9pp |
| Annual return | 19.57% | 16.12%+3.4pp | 25.30%-5.7pp | 31.67%-12.1pp |
| Employer contribution / active EE | $681 | $1,360-49.9% | $3,420-80.1% | $2,019-66.3% |
| Participant deferral / active EE | $1,288 | $2,289-43.7% | $4,690-72.5% | $3,358-61.6% |
| Admin fee / account holder | $1,330 | $3,140-57.7% | $12,016-88.9% | $3,203-58.5% |