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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 | $23,208 | $80,781-71.3% | $102,437-77.3% | $74,478-68.8% |
| Participation rate | 31.8% | 65.7%-33.9pp | 74.5%-42.7pp | 67.2%-35.4pp |
| Annual return | 13.72% | 27.58%-13.9pp | 24.95%-11.2pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $1,038 | $3,160-67.2% | $3,871-73.2% | $2,626-60.5% |
| Participant deferral / active EE | $2,003 | $3,862-48.1% | $5,060-60.4% | $4,350-54.0% |
| Admin fee / account holder | $1,527 | $2,372-35.6% | $8,388-81.8% | $1,946-21.5% |