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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 | $29,675 | $91,559-67.6% | $133,971-77.8% | $79,852-62.8% |
| Participation rate | 64.3% | 73.3%-9.1pp | 79.8%-15.6pp | 69.6%-5.4pp |
| Annual return | 19.12% | 61.85%-42.7pp | 45.09%-26.0pp | 31.72%-12.6pp |
| Employer contribution / active EE | $1,742 | $2,384-26.9% | $3,919-55.6% | $2,471-29.5% |
| Participant deferral / active EE | $3,359 | $3,734-10.0% | $5,047-33.4% | $3,740-10.2% |
| Admin fee / account holder | $1,965 | $6,321-68.9% | $8,929-78.0% | $5,306-63.0% |