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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 | $28,521 | $81,334-64.9% | $113,397-74.8% | $64,097-55.5% |
| Participation rate | 57.9% | 65.6%-7.7pp | 76.5%-18.6pp | 55.2%+2.7pp |
| Annual return | 20.54% | 32.50%-12.0pp | 23.20%-2.7pp | 34.64%-14.1pp |
| Employer contribution / active EE | $1,317 | $2,077-36.6% | $2,977-55.8% | $1,891-30.4% |
| Participant deferral / active EE | $2,614 | $3,795-31.1% | $5,076-48.5% | $3,080-15.1% |
| Admin fee / account holder | $3,918 | $4,208-6.9% | $11,957-67.2% | $3,454+13.4% |