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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 | $19,593 | $80,985-75.8% | $96,576-79.7% | $75,181-73.9% |
| Participation rate | 62.5% | 71.8%-9.3pp | 76.0%-13.5pp | 67.2%-4.7pp |
| Annual return | 24.35% | 27.05%-2.7pp | 25.87%-1.5pp | 160.69%-136.3pp |
| Employer contribution / active EE | $1,461 | $2,282-36.0% | $2,965-50.7% | $2,671-45.3% |
| Participant deferral / active EE | $3,932 | $3,929+0.1% | $4,851-18.9% | $4,126-4.7% |
| Admin fee / account holder | $469 | $6,719-93.0% | $8,253-94.3% | $5,650-91.7% |