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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 | $19,669 | $73,978-73.4% | $96,515-79.6% | $75,173-73.8% |
| Participation rate | 54.7% | 66.4%-11.7pp | 74.3%-19.6pp | 67.2%-12.5pp |
| Annual return | 17.34% | 26.72%-9.4pp | 35.73%-18.4pp | 160.72%-143.4pp |
| Employer contribution / active EE | $1,209 | $2,931-58.7% | $3,740-67.7% | $2,671-54.7% |
| Participant deferral / active EE | $3,592 | $3,660-1.9% | $4,880-26.4% | $4,126-12.9% |
| Admin fee / account holder | $3,322 | $5,219-36.4% | $6,735-50.7% | $5,651-41.2% |