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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 | $27,559 | $181,896-84.8% | $156,551-82.4% | $273,972-89.9% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 6.77% | 30.74%-24.0pp | 32.23%-25.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $1,639 | $6,248-73.8% | $5,501-70.2% | $4,869-66.3% |
| Participant deferral / active EE | $3,731 | $5,550-32.8% | $4,871-23.4% | $5,287-29.4% |
| Admin fee / account holder | $614 | $15,560-96.1% | $13,028-95.3% | $10,133-93.9% |