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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 | $38,452 | $138,393-72.2% | $184,256-79.1% | $80,959-52.5% |
| Participation rate | 65.8% | 83.9%-18.1pp | 86.8%-21.1pp | 67.7%-1.9pp |
| Annual return | 16.60% | 20.01%-3.4pp | 28.85%-12.2pp | 35.67%-19.1pp |
| Employer contribution / active EE | $1,663 | $4,847-65.7% | $6,427-74.1% | $2,757-39.7% |
| Participant deferral / active EE | $6,327 | $7,076-10.6% | $9,133-30.7% | $4,300+47.1% |
| Admin fee / account holder | $1,860 | $10,489-82.3% | $13,899-86.6% | $6,925-73.1% |