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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 | $68,607-53.1% | $147,027-78.1% | $64,340-50.0% |
| Participation rate | 24.8% | 50.4%-25.7pp | 73.7%-49.0pp | 55.2%-30.5pp |
| Annual return | 27.50% | 13.75%+13.7pp | 20.23%+7.3pp | 24.14%+3.4pp |
| Employer contribution / active EE | $584 | $1,554-62.4% | $3,626-83.9% | $1,862-68.6% |
| Participant deferral / active EE | $1,433 | $2,402-40.3% | $4,933-70.9% | $2,980-51.9% |
| Admin fee / account holder | $2,274 | $3,287-30.8% | $12,223-81.4% | $3,703-38.6% |