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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 | $22,083 | $64,909-66.0% | $82,312-73.2% | $62,293-64.6% |
| Participation rate | 45.5% | 74.9%-29.3pp | 76.9%-31.3pp | 69.5%-24.0pp |
| Annual return | 19.67% | 21.18%-1.5pp | 25.88%-6.2pp | 28.90%-9.2pp |
| Employer contribution / active EE | $1,205 | $1,676-28.1% | $2,428-50.4% | $2,042-41.0% |
| Participant deferral / active EE | $2,411 | $3,103-22.3% | $3,706-34.9% | $3,169-23.9% |
| Admin fee / account holder | $520 | $440+18.3% | $5,608-90.7% | $479+8.5% |