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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 | $34,317 | $115,931-70.4% | $185,441-81.5% | $86,983-60.5% |
| Participation rate | 41.5% | 73.6%-32.1pp | 80.3%-38.8pp | 69.5%-28.0pp |
| Annual return | 17.41% | 21.47%-4.1pp | 20.16%-2.8pp | 25.83%-8.4pp |
| Employer contribution / active EE | $2,318 | $2,937-21.1% | $4,672-50.4% | $2,584-10.3% |
| Participant deferral / active EE | $2,067 | $4,551-54.6% | $6,152-66.4% | $4,194-50.7% |
| Admin fee / account holder | $344 | $10,687-96.8% | $17,890-98.1% | $7,856-95.6% |