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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 | $33,810 | $138,393-75.6% | $184,256-81.7% | $80,959-58.2% |
| Participation rate | 32.0% | 83.9%-51.9pp | 86.8%-54.8pp | 67.7%-35.7pp |
| Annual return | 13.74% | 20.01%-6.3pp | 28.85%-15.1pp | 35.67%-21.9pp |
| Employer contribution / active EE | $2,296 | $4,847-52.6% | $6,427-64.3% | $2,757-16.7% |
| Participant deferral / active EE | $3,281 | $7,076-53.6% | $9,133-64.1% | $4,300-23.7% |
| Admin fee / account holder | $10,539 | $10,489+0.5% | $13,899-24.2% | $6,925+52.2% |