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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 | $19,178 | $79,961-76.0% | $98,462-80.5% | $75,177-74.5% |
| Participation rate | 67.7% | 70.4%-2.6pp | 75.2%-7.4pp | 67.2%+0.5pp |
| Annual return | 26.88% | 19.75%+7.1pp | 21.17%+5.7pp | 160.75%-133.9pp |
| Employer contribution / active EE | $905 | $2,264-60.0% | $3,049-70.3% | $2,671-66.1% |
| Participant deferral / active EE | $2,196 | $3,753-41.5% | $4,738-53.7% | $4,126-46.8% |
| Admin fee / account holder | $1,389 | $6,842-79.7% | $8,875-84.4% | $5,651-75.4% |