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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 | $36,815 | $138,386-73.4% | $184,260-80.0% | $80,935-54.5% |
| Participation rate | 65.5% | 83.9%-18.4pp | 86.8%-21.3pp | 67.7%-2.1pp |
| Annual return | 15.95% | 20.02%-4.1pp | 28.84%-12.9pp | 35.66%-19.7pp |
| Employer contribution / active EE | $2,821 | $4,851-41.8% | $6,427-56.1% | $2,757+2.3% |
| Participant deferral / active EE | $6,321 | $7,076-10.7% | $9,133-30.8% | $4,299+47.0% |
| Admin fee / account holder | $7,569 | $10,489-27.8% | $13,898-45.5% | $6,924+9.3% |