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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 | $28,411 | $101,798-72.1% | $165,071-82.8% | $80,935-64.9% |
| Participation rate | 44.1% | 71.8%-27.7pp | 78.6%-34.5pp | 67.7%-23.5pp |
| Annual return | 13.55% | 16.73%-3.2pp | 70.17%-56.6pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,202 | $2,954-59.3% | $4,347-72.3% | $2,757-56.4% |
| Participant deferral / active EE | $2,603 | $4,476-41.9% | $6,035-56.9% | $4,299-39.5% |
| Admin fee / account holder | $5,933 | $8,221-27.8% | $12,695-53.3% | $6,924-14.3% |