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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 | $24,478 | $76,371-67.9% | $93,621-73.9% | $72,975-66.5% |
| Participation rate | 66.1% | 71.8%-5.6pp | 75.8%-9.7pp | 69.5%-3.4pp |
| Annual return | 21.21% | 25.82%-4.6pp | 32.76%-11.6pp | 81.01%-59.8pp |
| Employer contribution / active EE | $998 | $2,276-56.1% | $2,719-63.3% | $2,440-59.1% |
| Participant deferral / active EE | $2,813 | $3,538-20.5% | $4,070-30.9% | $3,608-22.0% |
| Admin fee / account holder | $3,650 | $6,839-46.6% | $7,890-53.7% | $5,124-28.8% |