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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 | $26,613 | $101,798-73.9% | $165,071-83.9% | $80,935-67.1% |
| Participation rate | 56.7% | 71.8%-15.2pp | 78.6%-22.0pp | 67.7%-11.0pp |
| Annual return | 11.70% | 16.73%-5.0pp | 70.17%-58.5pp | 35.66%-24.0pp |
| Employer contribution / active EE | $1,738 | $2,954-41.2% | $4,347-60.0% | $2,757-37.0% |
| Participant deferral / active EE | $5,066 | $4,476+13.2% | $6,035-16.1% | $4,299+17.8% |
| Admin fee / account holder | $9,944 | $8,221+20.9% | $12,695-21.7% | $6,924+43.6% |