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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 | $19,778 | $78,428-74.8% | $95,960-79.4% | $79,852-75.2% |
| Participation rate | 53.1% | 73.5%-20.4pp | 77.1%-24.0pp | 69.6%-16.5pp |
| Annual return | 27.76% | 19.37%+8.4pp | 91.63%-63.9pp | 31.72%-4.0pp |
| Employer contribution / active EE | $1,594 | $1,945-18.0% | $2,541-37.3% | $2,471-35.5% |
| Participant deferral / active EE | $3,388 | $3,440-1.5% | $4,167-18.7% | $3,740-9.4% |
| Admin fee / account holder | $315 | $5,622-94.4% | $6,797-95.4% | $5,306-94.1% |