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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 | $106,524-78.4% | $152,301-84.9% | $87,485-73.7% |
| Participation rate | 53.5% | 75.8%-22.3pp | 82.4%-29.0pp | 68.9%-15.4pp |
| Annual return | 14.65% | 26.89%-12.2pp | 80.50%-65.8pp | 26.06%-11.4pp |
| Employer contribution / active EE | $1,554 | $3,371-53.9% | $4,624-66.4% | $2,596-40.2% |
| Participant deferral / active EE | $3,390 | $6,525-48.0% | $8,004-57.6% | $4,274-20.7% |
| Admin fee / account holder | $10,457 | $8,287+26.2% | $14,398-27.4% | $7,775+34.5% |