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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 | $22,090 | $65,703-66.4% | $94,224-76.6% | $59,632-63.0% |
| Participation rate | 51.4% | 72.1%-20.7pp | 78.8%-27.3pp | 68.7%-17.2pp |
| Annual return | 4.41% | 5.22%-0.8pp | 10.68%-6.3pp | 2041.32%-2036.9pp |
| Employer contribution / active EE | $1,606 | $2,021-20.5% | $3,587-55.2% | $2,203-27.1% |
| Participant deferral / active EE | $3,307 | $3,143+5.2% | $4,320-23.4% | $3,192+3.6% |
| Admin fee / account holder | $858 | $4,264-79.9% | $6,269-86.3% | $4,297-80.0% |