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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 | $19,492 | $72,492-73.1% | $87,102-77.6% | $72,983-73.3% |
| Participation rate | 35.2% | 72.8%-37.6pp | 76.9%-41.7pp | 69.5%-34.3pp |
| Annual return | 17.53% | 24.46%-6.9pp | 28.19%-10.7pp | 81.01%-63.5pp |
| Employer contribution / active EE | $1,069 | $1,894-43.6% | $2,521-57.6% | $2,440-56.2% |
| Participant deferral / active EE | $1,949 | $3,270-40.4% | $4,048-51.9% | $3,608-46.0% |
| Admin fee / account holder | $7,426 | $5,055+46.9% | $7,491-0.9% | $5,124+44.9% |