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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 | $28,110 | $76,112-63.1% | $96,544-70.9% | $71,529-60.7% |
| Participation rate | 60.4% | 74.4%-14.0pp | 76.0%-15.6pp | 67.9%-7.6pp |
| Annual return | 18.18% | 22.80%-4.6pp | 25.88%-7.7pp | 28.97%-10.8pp |
| Employer contribution / active EE | $1,076 | $2,248-52.2% | $2,966-63.7% | $2,590-58.5% |
| Participant deferral / active EE | $3,063 | $4,217-27.4% | $4,851-36.9% | $4,291-28.6% |
| Admin fee / account holder | $1,999 | $2,708-26.2% | $8,254-75.8% | $1,588+25.8% |