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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 | $28,481 | $94,436-69.8% | $115,599-75.4% | $82,637-65.5% |
| Participation rate | 46.2% | 70.4%-24.3pp | 74.3%-28.1pp | 68.1%-21.9pp |
| Annual return | 16.02% | 18.37%-2.3pp | 111.10%-95.1pp | 53.51%-37.5pp |
| Employer contribution / active EE | $2,083 | $2,324-10.3% | $2,955-29.5% | $2,552-18.4% |
| Participant deferral / active EE | $4,042 | $3,955+2.2% | $4,889-17.3% | $4,126-2.0% |
| Admin fee / account holder | $7,407 | $10,328-28.3% | $12,841-42.3% | $7,339+0.9% |