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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 | $17,451 | $53,412-67.3% | $68,509-74.5% | $52,331-66.7% |
| Participation rate | 47.4% | 71.7%-24.3pp | 74.7%-27.3pp | 68.1%-20.7pp |
| Annual return | 24.18% | 3.42%+20.8pp | 8.27%+15.9pp | 4.54%+19.6pp |
| Employer contribution / active EE | $692 | $1,607-57.0% | $2,278-69.6% | $1,882-63.2% |
| Participant deferral / active EE | $1,363 | $2,688-49.3% | $3,382-59.7% | $3,022-54.9% |
| Admin fee / account holder | $1,797 | $461+289.9% | $5,275-65.9% | $592+203.7% |