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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 | $35,057 | $177,595-80.3% | $148,496-76.4% | $198,609-82.3% |
| Participation rate | 57.9% | 79.3%-21.4pp | 76.0%-18.1pp | 82.4%-24.5pp |
| Annual return | 11.84% | 9.97%+1.9pp | 12.33%-0.5pp | 202.70%-190.9pp |
| Employer contribution / active EE | $1,407 | $4,098-65.7% | $3,497-59.8% | $5,055-72.2% |
| Participant deferral / active EE | $3,295 | $5,539-40.5% | $4,808-31.5% | $6,977-52.8% |
| Admin fee / account holder | $4,945 | $27,010-81.7% | $19,547-74.7% | $19,030-74.0% |