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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 | $29,431 | $128,603-77.1% | $197,124-85.1% | $67,986-56.7% |
| Participation rate | 47.3% | 81.7%-34.3pp | 86.7%-39.4pp | 57.2%-9.9pp |
| Annual return | 23.77% | 23.77%0pp | 44.34%-20.6pp | 31.67%-7.9pp |
| Employer contribution / active EE | $1,776 | $4,379-59.5% | $6,227-71.5% | $2,019-12.0% |
| Participant deferral / active EE | $3,699 | $6,840-45.9% | $9,135-59.5% | $3,358+10.2% |
| Admin fee / account holder | $1,244 | $3,035-59.0% | $16,298-92.4% | $3,203-61.2% |