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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 | $34,899 | $100,194-65.2% | $122,979-71.6% | $86,983-59.9% |
| Participation rate | 64.0% | 73.0%-9.0pp | 77.2%-13.2pp | 69.5%-5.5pp |
| Annual return | 15.81% | 16.47%-0.7pp | 20.12%-4.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,253 | $2,326-46.1% | $3,062-59.1% | $2,584-51.5% |
| Participant deferral / active EE | $4,213 | $4,133+1.9% | $5,003-15.8% | $4,194+0.5% |
| Admin fee / account holder | $6,608 | $10,148-34.9% | $12,864-48.6% | $7,856-15.9% |