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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 | $24,404 | $95,404-74.4% | $113,397-78.5% | $82,637-70.5% |
| Participation rate | 57.1% | 72.8%-15.7pp | 76.5%-19.4pp | 68.1%-10.9pp |
| Annual return | 13.87% | 19.08%-5.2pp | 23.20%-9.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $1,365 | $2,307-40.8% | $2,977-54.2% | $2,552-46.5% |
| Participant deferral / active EE | $3,643 | $4,220-13.7% | $5,076-28.2% | $4,126-11.7% |
| Admin fee / account holder | $3,205 | $9,168-65.0% | $11,957-73.2% | $7,339-56.3% |