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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 | $32,916 | $282,059-88.3% | $213,469-84.6% | $154,746-78.7% |
| Participation rate | 58.3% | 82.7%-24.3pp | 77.1%-18.8pp | 80.7%-22.4pp |
| Annual return | 18.48% | 20.90%-2.4pp | 20.58%-2.1pp | 172.34%-153.9pp |
| Employer contribution / active EE | $1,494 | $6,189-75.9% | $4,994-70.1% | $4,379-65.9% |
| Participant deferral / active EE | $2,865 | $8,186-65.0% | $6,841-58.1% | $6,730-57.4% |
| Admin fee / account holder | $1,388 | $37,435-96.3% | $27,141-94.9% | $14,365-90.3% |