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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 | $95,084-65.2% | $140,514-76.4% | $69,733-52.5% |
| Participation rate | 46.1% | 68.7%-22.6pp | 77.8%-31.7pp | 62.5%-16.4pp |
| Annual return | 19.43% | 18.56%+0.9pp | 14.36%+5.1pp | 15.22%+4.2pp |
| Employer contribution / active EE | $1,722 | $2,405-28.4% | $3,378-49.0% | $2,250-23.5% |
| Participant deferral / active EE | $2,162 | $3,868-44.1% | $4,919-56.0% | $3,054-29.2% |
| Admin fee / account holder | $1,729 | $4,885-64.6% | $13,697-87.4% | $3,102-44.3% |