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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 | $41,304 | $167,415-75.3% | $140,514-70.6% | $198,609-79.2% |
| Participation rate | 57.1% | 80.9%-23.7pp | 77.8%-20.7pp | 82.4%-25.2pp |
| Annual return | 11.61% | 13.85%-2.2pp | 14.36%-2.7pp | 202.70%-191.1pp |
| Employer contribution / active EE | $1,958 | $4,088-52.1% | $3,378-42.1% | $5,055-61.3% |
| Participant deferral / active EE | $3,051 | $5,579-45.3% | $4,919-38.0% | $6,977-56.3% |
| Admin fee / account holder | $2,634 | $16,730-84.3% | $13,697-80.8% | $19,030-86.2% |