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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 | $29,571 | $86,949-66.0% | $102,460-71.1% | $80,959-63.5% |
| Participation rate | 46.3% | 72.4%-26.0pp | 76.5%-30.2pp | 67.7%-21.3pp |
| Annual return | 12.36% | 18.89%-6.5pp | 29.47%-17.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,717 | $2,370-27.5% | $3,025-43.2% | $2,757-37.7% |
| Participant deferral / active EE | $3,441 | $4,121-16.5% | $5,056-31.9% | $4,300-20.0% |
| Admin fee / account holder | $919 | $8,048-88.6% | $9,460-90.3% | $6,925-86.7% |