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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 | $39,060 | $254,759-84.7% | $216,567-82.0% | $198,609-80.3% |
| Participation rate | 64.7% | 84.5%-19.8pp | 81.6%-16.9pp | 82.4%-17.7pp |
| Annual return | 19.62% | 10.04%+9.6pp | 12.94%+6.7pp | 202.70%-183.1pp |
| Employer contribution / active EE | $1,737 | $6,096-71.5% | $5,216-66.7% | $5,055-65.6% |
| Participant deferral / active EE | $3,231 | $6,948-53.5% | $6,191-47.8% | $6,977-53.7% |
| Admin fee / account holder | $688 | $26,311-97.4% | $21,981-96.9% | $19,030-96.4% |