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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 | $23,620 | $108,825-78.3% | $156,181-84.9% | $82,448-71.4% |
| Participation rate | 41.0% | 72.4%-31.3pp | 78.8%-37.8pp | 68.1%-27.0pp |
| Annual return | 16.22% | 20.59%-4.4pp | 64.87%-48.7pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,012 | $2,870-64.7% | $4,294-76.4% | $2,551-60.3% |
| Participant deferral / active EE | $3,176 | $4,577-30.6% | $6,132-48.2% | $4,139-23.3% |
| Admin fee / account holder | $2,059 | $9,341-78.0% | $14,586-85.9% | $7,234-71.5% |