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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 | $18,306 | $58,493-68.7% | $84,021-78.2% | $72,975-74.9% |
| Participation rate | 40.0% | 61.2%-21.2pp | 69.0%-29.0pp | 69.5%-29.5pp |
| Annual return | 20.86% | 28.93%-8.1pp | 71.32%-50.5pp | 81.01%-60.2pp |
| Employer contribution / active EE | $549 | $1,163-52.8% | $1,984-72.3% | $2,440-77.5% |
| Participant deferral / active EE | $1,098 | $2,394-54.1% | $3,239-66.1% | $3,608-69.6% |
| Admin fee / account holder | $5,916 | $4,569+29.5% | $6,102-3.0% | $5,124+15.5% |