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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 | $32,381 | $108,825-70.2% | $156,181-79.3% | $82,448-60.7% |
| Participation rate | 56.8% | 72.4%-15.6pp | 78.8%-22.1pp | 68.1%-11.3pp |
| Annual return | 16.46% | 20.59%-4.1pp | 64.87%-48.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $931 | $2,870-67.6% | $4,294-78.3% | $2,551-63.5% |
| Participant deferral / active EE | $2,013 | $4,577-56.0% | $6,132-67.2% | $4,139-51.4% |
| Admin fee / account holder | $3,251 | $9,341-65.2% | $14,586-77.7% | $7,234-55.1% |