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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 | $30,836 | $146,267-78.9% | $197,124-84.4% | $82,448-62.6% |
| Participation rate | 57.7% | 84.0%-26.3pp | 86.7%-29.0pp | 68.1%-10.4pp |
| Annual return | 20.53% | 29.61%-9.1pp | 44.34%-23.8pp | 41.64%-21.1pp |
| Employer contribution / active EE | $2,545 | $4,723-46.1% | $6,227-59.1% | $2,551-0.2% |
| Participant deferral / active EE | $5,206 | $7,035-26.0% | $9,135-43.0% | $4,139+25.8% |
| Admin fee / account holder | $3,482 | $14,422-75.9% | $16,298-78.6% | $7,234-51.9% |