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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 | $29,627 | $100,194-70.4% | $122,979-75.9% | $86,983-65.9% |
| Participation rate | 43.2% | 73.0%-29.7pp | 77.2%-33.9pp | 69.5%-26.3pp |
| Annual return | 21.14% | 16.47%+4.7pp | 20.12%+1.0pp | 25.83%-4.7pp |
| Employer contribution / active EE | $1,451 | $2,326-37.6% | $3,062-52.6% | $2,584-43.8% |
| Participant deferral / active EE | $2,881 | $4,133-30.3% | $5,003-42.4% | $4,194-31.3% |
| Admin fee / account holder | $3,728 | $10,148-63.3% | $12,864-71.0% | $7,856-52.6% |