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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 | $25,056 | $64,890-61.4% | $134,172-81.3% | $67,986-63.1% |
| Participation rate | 29.1% | 48.5%-19.4pp | 72.5%-43.3pp | 57.2%-28.1pp |
| Annual return | 22.31% | 16.12%+6.2pp | 25.30%-3.0pp | 31.67%-9.4pp |
| Employer contribution / active EE | $1,135 | $1,360-16.5% | $3,420-66.8% | $2,019-43.8% |
| Participant deferral / active EE | $1,685 | $2,289-26.4% | $4,690-64.1% | $3,358-49.8% |
| Admin fee / account holder | $6,520 | $3,140+107.6% | $12,016-45.7% | $3,203+103.5% |