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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 | $35,633 | $138,386-74.3% | $184,260-80.7% | $80,935-56.0% |
| Participation rate | 60.0% | 83.9%-23.9pp | 86.8%-26.8pp | 67.7%-7.7pp |
| Annual return | 17.87% | 20.02%-2.1pp | 28.84%-11.0pp | 35.66%-17.8pp |
| Employer contribution / active EE | $1,852 | $4,851-61.8% | $6,427-71.2% | $2,757-32.8% |
| Participant deferral / active EE | $5,491 | $7,076-22.4% | $9,133-39.9% | $4,299+27.7% |
| Admin fee / account holder | $533 | $10,489-94.9% | $13,898-96.2% | $6,924-92.3% |