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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 | $20,116 | $81,504-75.3% | $102,437-80.4% | $80,959-75.2% |
| Participation rate | 42.1% | 66.9%-24.7pp | 74.5%-32.4pp | 67.7%-25.6pp |
| Annual return | 12.55% | 25.60%-13.0pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,311 | $3,104-57.7% | $3,871-66.1% | $2,757-52.4% |
| Participant deferral / active EE | $2,438 | $3,871-37.0% | $5,060-51.8% | $4,300-43.3% |
| Admin fee / account holder | $7,479 | $6,719+11.3% | $8,388-10.8% | $6,925+8.0% |