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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 | $23,099 | $80,983-71.5% | $96,544-76.1% | $75,177-69.3% |
| Participation rate | 44.6% | 71.8%-27.1pp | 76.0%-31.3pp | 67.2%-22.6pp |
| Annual return | 14.54% | 27.05%-12.5pp | 25.88%-11.3pp | 160.75%-146.2pp |
| Employer contribution / active EE | $1,147 | $2,282-49.8% | $2,966-61.3% | $2,671-57.1% |
| Participant deferral / active EE | $1,869 | $3,929-52.4% | $4,851-61.5% | $4,126-54.7% |
| Admin fee / account holder | $1,431 | $6,717-78.7% | $8,254-82.7% | $5,651-74.7% |