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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 | $21,234 | $60,349-64.8% | $74,184-71.4% | $62,881-66.2% |
| Participation rate | 50.8% | 72.7%-21.9pp | 76.6%-25.8pp | 69.3%-18.5pp |
| Annual return | 5.77% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $1,039 | $1,680-38.2% | $2,370-56.2% | $2,281-54.5% |
| Participant deferral / active EE | $1,781 | $2,856-37.7% | $3,550-49.8% | $3,203-44.4% |
| Admin fee / account holder | $10,721 | $4,261+151.6% | $5,586+91.9% | $4,296+149.6% |