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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 | $22,089 | $81,947-73.0% | $105,387-79.0% | $72,983-69.7% |
| Participation rate | 63.0% | 76.5%-13.6pp | 82.6%-19.6pp | 69.5%-6.5pp |
| Annual return | 21.24% | 42.90%-21.7pp | 26.82%-5.6pp | 81.01%-59.8pp |
| Employer contribution / active EE | $1,524 | $3,468-56.1% | $4,213-63.8% | $2,440-37.5% |
| Participant deferral / active EE | $3,148 | $4,494-30.0% | $5,502-42.8% | $3,608-12.7% |
| Admin fee / account holder | $4,306 | $6,258-31.2% | $6,559-34.3% | $5,124-16.0% |