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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 | $22,866 | $80,992-71.8% | $96,534-76.3% | $75,173-69.6% |
| Participation rate | 46.3% | 71.8%-25.4pp | 76.0%-29.6pp | 67.2%-20.9pp |
| Annual return | 15.95% | 27.05%-11.1pp | 25.88%-9.9pp | 160.72%-144.8pp |
| Employer contribution / active EE | $1,599 | $2,283-29.9% | $2,965-46.1% | $2,671-40.1% |
| Participant deferral / active EE | $3,031 | $3,929-22.9% | $4,851-37.5% | $4,126-26.6% |
| Admin fee / account holder | $3,438 | $6,717-48.8% | $8,253-58.3% | $5,651-39.2% |