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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 | $20,501 | $81,487-74.8% | $102,412-80.0% | $80,935-74.7% |
| Participation rate | 56.4% | 66.8%-10.4pp | 74.5%-18.1pp | 67.7%-11.3pp |
| Annual return | 12.77% | 25.60%-12.8pp | 24.94%-12.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,602 | $3,103-48.4% | $3,870-58.6% | $2,757-41.9% |
| Participant deferral / active EE | $3,094 | $3,871-20.1% | $5,060-38.9% | $4,299-28.0% |
| Admin fee / account holder | $5,240 | $6,717-22.0% | $8,388-37.5% | $6,924-24.3% |