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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 | $28,258 | $76,112-62.9% | $96,534-70.7% | $71,511-60.5% |
| Participation rate | 53.0% | 74.4%-21.4pp | 76.0%-23.0pp | 67.9%-15.0pp |
| Annual return | 47.51% | 22.81%+24.7pp | 25.88%+21.6pp | 28.86%+18.7pp |
| Employer contribution / active EE | $1,955 | $2,248-13.0% | $2,965-34.1% | $2,589-24.5% |
| Participant deferral / active EE | $3,262 | $4,217-22.6% | $4,851-32.8% | $4,291-24.0% |
| Admin fee / account holder | $2,085 | $2,708-23.0% | $8,253-74.7% | $1,588+31.2% |