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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 | $34,164 | $87,465-60.9% | $122,979-72.2% | $65,306-47.7% |
| Participation rate | 41.9% | 66.0%-24.1pp | 77.2%-35.3pp | 57.7%-15.7pp |
| Annual return | 13.77% | 19.76%-6.0pp | 20.12%-6.3pp | 21.94%-8.2pp |
| Employer contribution / active EE | $676 | $2,156-68.7% | $3,062-77.9% | $1,967-65.7% |
| Participant deferral / active EE | $2,334 | $3,705-37.0% | $5,003-53.3% | $2,959-21.1% |
| Admin fee / account holder | $2,555 | $5,100-49.9% | $12,864-80.1% | $3,480-26.6% |