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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 | $33,744 | $110,137-69.4% | $161,149-79.1% | $82,637-59.2% |
| Participation rate | 54.4% | 72.4%-17.9pp | 78.8%-24.4pp | 68.1%-13.6pp |
| Annual return | 23.08% | 20.69%+2.4pp | 21.16%+1.9pp | 53.51%-30.4pp |
| Employer contribution / active EE | $1,774 | $2,856-37.9% | $4,360-59.3% | $2,552-30.5% |
| Participant deferral / active EE | $3,018 | $4,575-34.0% | $6,153-51.0% | $4,126-26.9% |
| Admin fee / account holder | $595 | $9,467-93.7% | $15,194-96.1% | $7,339-91.9% |