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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 | $20,976 | $86,940-75.9% | $102,434-79.5% | $80,935-74.1% |
| Participation rate | 31.9% | 72.4%-40.5pp | 76.5%-44.6pp | 67.7%-35.7pp |
| Annual return | 12.97% | 18.89%-5.9pp | 29.46%-16.5pp | 35.66%-22.7pp |
| Employer contribution / active EE | $989 | $2,370-58.2% | $3,023-67.3% | $2,757-64.1% |
| Participant deferral / active EE | $1,970 | $4,121-52.2% | $5,055-61.0% | $4,299-54.2% |
| Admin fee / account holder | $977 | $8,047-87.9% | $9,462-89.7% | $6,924-85.9% |