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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 | $29,354 | $108,825-73.0% | $156,181-81.2% | $82,448-64.4% |
| Participation rate | 46.0% | 72.4%-26.4pp | 78.8%-32.9pp | 68.1%-22.1pp |
| Annual return | 19.23% | 20.59%-1.4pp | 64.87%-45.6pp | 41.64%-22.4pp |
| Employer contribution / active EE | $1,220 | $2,870-57.5% | $4,294-71.6% | $2,551-52.2% |
| Participant deferral / active EE | $2,242 | $4,577-51.0% | $6,132-63.4% | $4,139-45.8% |
| Admin fee / account holder | $964 | $9,341-89.7% | $14,586-93.4% | $7,234-86.7% |