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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 | $32,192 | $77,094-58.2% | $173,703-81.5% | $69,733-53.8% |
| Participation rate | 24.8% | 55.7%-30.9pp | 75.9%-51.1pp | 62.5%-37.7pp |
| Annual return | 27.50% | 11.44%+16.1pp | 17.46%+10.0pp | 15.22%+12.3pp |
| Employer contribution / active EE | $584 | $1,704-65.7% | $4,288-86.4% | $2,250-74.0% |
| Participant deferral / active EE | $1,433 | $2,355-39.1% | $4,854-70.5% | $3,054-53.1% |
| Admin fee / account holder | $2,274 | $2,291-0.8% | $15,562-85.4% | $3,102-26.7% |