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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 | $29,416 | $91,559-67.9% | $133,978-78.0% | $79,856-63.2% |
| Participation rate | 60.9% | 73.3%-12.5pp | 79.8%-19.0pp | 69.6%-8.8pp |
| Annual return | 18.36% | 61.85%-43.5pp | 45.10%-26.7pp | 31.71%-13.4pp |
| Employer contribution / active EE | $1,761 | $2,384-26.1% | $3,919-55.1% | $2,471-28.7% |
| Participant deferral / active EE | $3,206 | $3,734-14.1% | $5,047-36.5% | $3,741-14.3% |
| Admin fee / account holder | $2,986 | $6,321-52.8% | $8,930-66.6% | $5,306-43.7% |