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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 | $29,294 | $86,949-66.3% | $102,460-71.4% | $80,959-63.8% |
| Participation rate | 63.0% | 72.4%-9.4pp | 76.5%-13.5pp | 67.7%-4.7pp |
| Annual return | 10.68% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,828 | $2,370-22.9% | $3,025-39.6% | $2,757-33.7% |
| Participant deferral / active EE | $3,191 | $4,121-22.6% | $5,056-36.9% | $4,300-25.8% |
| Admin fee / account holder | $2,791 | $8,048-65.3% | $9,460-70.5% | $6,925-59.7% |