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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 | $33,336 | $95,404-65.1% | $113,397-70.6% | $82,637-59.7% |
| Participation rate | 57.1% | 72.8%-15.7pp | 76.5%-19.4pp | 68.1%-10.9pp |
| Annual return | 16.87% | 19.08%-2.2pp | 23.20%-6.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $1,020 | $2,307-55.8% | $2,977-65.7% | $2,552-60.0% |
| Participant deferral / active EE | $3,166 | $4,220-25.0% | $5,076-37.6% | $4,126-23.3% |
| Admin fee / account holder | $1,763 | $9,168-80.8% | $11,957-85.3% | $7,339-76.0% |