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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 | $38,140 | $91,760-58.4% | $156,181-75.6% | $67,986-43.9% |
| Participation rate | 58.8% | 65.0%-6.2pp | 78.8%-20.0pp | 57.2%+1.6pp |
| Annual return | 28.85% | 18.14%+10.7pp | 64.87%-36.0pp | 31.67%-2.8pp |
| Employer contribution / active EE | $2,044 | $2,419-15.5% | $4,294-52.4% | $2,019+1.2% |
| Participant deferral / active EE | $3,214 | $3,960-18.8% | $6,132-47.6% | $3,358-4.3% |
| Admin fee / account holder | $1,832 | $3,949-53.6% | $14,586-87.4% | $3,203-42.8% |