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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 | $21,290 | $86,949-75.5% | $102,460-79.2% | $80,959-73.7% |
| Participation rate | 52.8% | 72.4%-19.6pp | 76.5%-23.7pp | 67.7%-14.9pp |
| Annual return | 12.95% | 18.89%-5.9pp | 29.47%-16.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $1,455 | $2,370-38.6% | $3,025-51.9% | $2,757-47.2% |
| Participant deferral / active EE | $2,658 | $4,121-35.5% | $5,056-47.4% | $4,300-38.2% |
| Admin fee / account holder | $3,937 | $8,048-51.1% | $9,460-58.4% | $6,925-43.2% |