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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 | $33,107 | $85,515-61.3% | $112,040-70.5% | $67,986-51.3% |
| Participation rate | 46.1% | 68.2%-22.1pp | 76.5%-30.4pp | 57.2%-11.1pp |
| Annual return | 19.43% | 29.68%-10.2pp | 24.52%-5.1pp | 31.67%-12.2pp |
| Employer contribution / active EE | $1,722 | $2,191-21.4% | $2,954-41.7% | $2,019-14.7% |
| Participant deferral / active EE | $2,162 | $4,014-46.1% | $5,098-57.6% | $3,358-35.6% |
| Admin fee / account holder | $1,729 | $3,774-54.2% | $12,098-85.7% | $3,203-46.0% |