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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 | $38,599 | $146,267-73.6% | $197,124-80.4% | $82,448-53.2% |
| Participation rate | 57.9% | 84.0%-26.1pp | 86.7%-28.8pp | 68.1%-10.2pp |
| Annual return | 21.34% | 29.61%-8.3pp | 44.34%-23.0pp | 41.64%-20.3pp |
| Employer contribution / active EE | $2,219 | $4,723-53.0% | $6,227-64.4% | $2,551-13.0% |
| Participant deferral / active EE | $3,961 | $7,035-43.7% | $9,135-56.6% | $4,139-4.3% |
| Admin fee / account holder | $1,645 | $14,422-88.6% | $16,298-89.9% | $7,234-77.3% |