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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 | $33,395 | $115,931-71.2% | $185,441-82.0% | $86,983-61.6% |
| Participation rate | 68.6% | 73.6%-5.1pp | 80.3%-11.7pp | 69.5%-1.0pp |
| Annual return | 18.94% | 21.47%-2.5pp | 20.16%-1.2pp | 25.83%-6.9pp |
| Employer contribution / active EE | $1,878 | $2,937-36.1% | $4,672-59.8% | $2,584-27.3% |
| Participant deferral / active EE | $2,523 | $4,551-44.6% | $6,152-59.0% | $4,194-39.8% |
| Admin fee / account holder | $3,027 | $10,687-71.7% | $17,890-83.1% | $7,856-61.5% |