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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 | $122,258-75.9% | $199,883-85.3% | $64,097-54.1% |
| Participation rate | 47.3% | 79.0%-31.7pp | 86.8%-39.4pp | 55.2%-7.9pp |
| Annual return | 23.77% | 24.91%-1.1pp | 43.81%-20.0pp | 34.64%-10.9pp |
| Employer contribution / active EE | $1,776 | $4,242-58.1% | $6,261-71.6% | $1,891-6.1% |
| Participant deferral / active EE | $3,699 | $6,258-40.9% | $9,138-59.5% | $3,080+20.1% |
| Admin fee / account holder | $1,244 | $3,882-67.9% | $17,268-92.8% | $3,454-64.0% |