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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 | $12,834 | $67,602-81.0% | $82,312-84.4% | $70,126-81.7% |
| Participation rate | 59.1% | 72.8%-13.7pp | 76.9%-17.8pp | 69.5%-10.4pp |
| Annual return | 21.16% | 21.57%-0.4pp | 25.88%-4.7pp | 73.15%-52.0pp |
| Employer contribution / active EE | $969 | $1,755-44.8% | $2,428-60.1% | $2,343-58.7% |
| Participant deferral / active EE | $2,369 | $2,987-20.7% | $3,706-36.1% | $3,332-28.9% |
| Admin fee / account holder | $421 | $4,512-90.7% | $5,608-92.5% | $4,645-90.9% |