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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 | $21,027 | $81,504-74.2% | $102,437-79.5% | $80,959-74.0% |
| Participation rate | 64.0% | 66.9%-2.9pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 11.15% | 25.60%-14.4pp | 24.95%-13.8pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,023 | $3,104-67.0% | $3,871-73.6% | $2,757-62.9% |
| Participant deferral / active EE | $3,331 | $3,871-13.9% | $5,060-34.2% | $4,300-22.5% |
| Admin fee / account holder | $1,763 | $6,719-73.8% | $8,388-79.0% | $6,925-74.5% |