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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 | $19,975 | $106,524-81.2% | $152,301-86.9% | $87,485-77.2% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.4%-32.4pp | 68.9%-18.9pp |
| Annual return | 16.29% | 26.89%-10.6pp | 80.50%-64.2pp | 26.06%-9.8pp |
| Employer contribution / active EE | $853 | $3,371-74.7% | $4,624-81.6% | $2,596-67.2% |
| Participant deferral / active EE | $2,473 | $6,525-62.1% | $8,004-69.1% | $4,274-42.1% |
| Admin fee / account holder | $2,745 | $8,287-66.9% | $14,398-80.9% | $7,775-64.7% |