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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 | $19,990 | $72,492-72.4% | $87,102-77.1% | $72,983-72.6% |
| Participation rate | 65.9% | 72.8%-7.0pp | 76.9%-11.0pp | 69.5%-3.6pp |
| Annual return | 23.88% | 24.46%-0.6pp | 28.19%-4.3pp | 81.01%-57.1pp |
| Employer contribution / active EE | $1,358 | $1,894-28.3% | $2,521-46.1% | $2,440-44.3% |
| Participant deferral / active EE | $2,460 | $3,270-24.8% | $4,048-39.2% | $3,608-31.8% |
| Admin fee / account holder | $1,497 | $5,055-70.4% | $7,491-80.0% | $5,124-70.8% |