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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 | $17,805 | $67,602-73.7% | $82,312-78.4% | $70,126-74.6% |
| Participation rate | 56.8% | 72.8%-16.0pp | 76.9%-20.1pp | 69.5%-12.8pp |
| Annual return | 13.73% | 21.57%-7.8pp | 25.88%-12.1pp | 73.15%-59.4pp |
| Employer contribution / active EE | $478 | $1,755-72.7% | $2,428-80.3% | $2,343-79.6% |
| Participant deferral / active EE | $1,463 | $2,987-51.0% | $3,706-60.5% | $3,332-56.1% |
| Admin fee / account holder | $864 | $4,512-80.9% | $5,608-84.6% | $4,645-81.4% |