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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 | $21,549 | $86,938-75.2% | $102,423-79.0% | $80,925-73.4% |
| Participation rate | 52.9% | 72.4%-19.4pp | 76.5%-23.6pp | 67.7%-14.7pp |
| Annual return | 11.68% | 18.89%-7.2pp | 29.42%-17.7pp | 35.65%-24.0pp |
| Employer contribution / active EE | $1,310 | $2,369-44.7% | $3,023-56.7% | $2,756-52.5% |
| Participant deferral / active EE | $2,166 | $4,120-47.4% | $5,054-57.2% | $4,299-49.6% |
| Admin fee / account holder | $3,428 | $8,053-57.4% | $9,455-63.7% | $6,940-50.6% |