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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 | $23,010 | $106,749-78.4% | $145,433-84.2% | $82,448-72.1% |
| Participation rate | 53.5% | 75.6%-22.2pp | 82.1%-28.6pp | 68.1%-14.6pp |
| Annual return | 14.65% | 27.59%-12.9pp | 66.58%-51.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,554 | $3,444-54.9% | $4,554-65.9% | $2,551-39.1% |
| Participant deferral / active EE | $3,390 | $6,519-48.0% | $7,897-57.1% | $4,139-18.1% |
| Admin fee / account holder | $10,457 | $8,390+24.6% | $13,129-20.4% | $7,234+44.5% |