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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 | $12,064 | $58,048-79.2% | $94,215-87.2% | $65,306-81.5% |
| Participation rate | 24.3% | 45.3%-21.0pp | 70.0%-45.6pp | 57.7%-33.3pp |
| Annual return | 17.58% | 19.61%-2.0pp | 28.22%-10.6pp | 21.94%-4.4pp |
| Employer contribution / active EE | $334 | $1,427-76.6% | $2,675-87.5% | $1,967-83.0% |
| Participant deferral / active EE | $963 | $2,407-60.0% | $4,276-77.5% | $2,959-67.4% |
| Admin fee / account holder | $1,346 | $4,610-70.8% | $10,216-86.8% | $3,480-61.3% |