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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 | $114,712-79.4% | $173,730-86.4% | $87,485-73.0% |
| Participation rate | 41.0% | 73.0%-32.0pp | 79.6%-38.5pp | 68.9%-27.9pp |
| Annual return | 16.22% | 20.18%-4.0pp | 19.96%-3.7pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,012 | $2,904-65.1% | $4,577-77.9% | $2,596-61.0% |
| Participant deferral / active EE | $3,176 | $4,642-31.6% | $6,326-49.8% | $4,274-25.7% |
| Admin fee / account holder | $2,059 | $10,210-79.8% | $17,523-88.2% | $7,775-73.5% |