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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 | $19,225 | $136,860-86.0% | $120,344-84.0% | $154,746-87.6% |
| Participation rate | 61.5% | 79.9%-18.3pp | 76.7%-15.2pp | 80.7%-19.2pp |
| Annual return | 18.57% | 21.38%-2.8pp | 20.30%-1.7pp | 172.34%-153.8pp |
| Employer contribution / active EE | $1,286 | $3,533-63.6% | $3,020-57.4% | $4,379-70.6% |
| Participant deferral / active EE | $6,090 | $5,793+5.1% | $5,135+18.6% | $6,730-9.5% |
| Admin fee / account holder | $2,739 | $15,393-82.2% | $12,742-78.5% | $14,365-80.9% |