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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 | $28,901 | $101,795-71.6% | $165,100-82.5% | $80,959-64.3% |
| Participation rate | 40.7% | 71.8%-31.1pp | 78.6%-37.9pp | 67.7%-27.0pp |
| Annual return | 11.27% | 16.73%-5.5pp | 70.21%-58.9pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,717 | $2,954-41.9% | $4,348-60.5% | $2,757-37.7% |
| Participant deferral / active EE | $4,095 | $4,476-8.5% | $6,035-32.1% | $4,300-4.8% |
| Admin fee / account holder | $11,478 | $8,221+39.6% | $12,696-9.6% | $6,925+65.7% |