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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 | $18,443 | $60,349-69.4% | $74,184-75.1% | $62,881-70.7% |
| Participation rate | 57.7% | 72.7%-15.0pp | 76.6%-18.9pp | 69.3%-11.6pp |
| Annual return | 7.01% | 21.38%-14.4pp | 17.74%-10.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $1,613 | $1,680-4.0% | $2,370-31.9% | $2,281-29.3% |
| Participant deferral / active EE | $3,439 | $2,856+20.4% | $3,550-3.1% | $3,203+7.4% |
| Admin fee / account holder | $3,581 | $4,261-16.0% | $5,586-35.9% | $4,296-16.6% |