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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 | $26,071 | $101,795-74.4% | $165,100-84.2% | $80,959-67.8% |
| Participation rate | 54.0% | 71.8%-17.8pp | 78.6%-24.6pp | 67.7%-13.7pp |
| Annual return | 16.21% | 16.73%-0.5pp | 70.21%-54.0pp | 35.67%-19.5pp |
| Employer contribution / active EE | $1,229 | $2,954-58.4% | $4,348-71.7% | $2,757-55.4% |
| Participant deferral / active EE | $2,419 | $4,476-45.9% | $6,035-59.9% | $4,300-43.7% |
| Admin fee / account holder | $1,021 | $8,221-87.6% | $12,696-92.0% | $6,925-85.3% |