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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 | $29,652 | $85,515-65.3% | $112,040-73.5% | $67,986-56.4% |
| Participation rate | 23.5% | 68.2%-44.7pp | 76.5%-53.0pp | 57.2%-33.7pp |
| Annual return | 68.60% | 29.68%+38.9pp | 24.52%+44.1pp | 31.67%+36.9pp |
| Employer contribution / active EE | $1,131 | $2,191-48.4% | $2,954-61.7% | $2,019-44.0% |
| Participant deferral / active EE | $2,345 | $4,014-41.6% | $5,098-54.0% | $3,358-30.2% |
| Admin fee / account holder | $1,497 | $3,774-60.3% | $12,098-87.6% | $3,203-53.3% |