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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 | $23,158 | $110,137-79.0% | $161,149-85.6% | $82,637-72.0% |
| Participation rate | 44.0% | 72.4%-28.4pp | 78.8%-34.8pp | 68.1%-24.1pp |
| Annual return | 22.34% | 20.69%+1.6pp | 21.16%+1.2pp | 53.51%-31.2pp |
| Employer contribution / active EE | $1,682 | $2,856-41.1% | $4,360-61.4% | $2,552-34.1% |
| Participant deferral / active EE | $2,838 | $4,575-38.0% | $6,153-53.9% | $4,126-31.2% |
| Admin fee / account holder | $2,262 | $9,467-76.1% | $15,194-85.1% | $7,339-69.2% |