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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 | $35,321 | $100,194-64.7% | $122,979-71.3% | $86,983-59.4% |
| Participation rate | 58.1% | 73.0%-14.9pp | 77.2%-19.1pp | 69.5%-11.5pp |
| Annual return | 18.60% | 16.47%+2.1pp | 20.12%-1.5pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,178 | $2,326-49.3% | $3,062-61.5% | $2,584-54.4% |
| Participant deferral / active EE | $2,106 | $4,133-49.1% | $5,003-57.9% | $4,194-49.8% |
| Admin fee / account holder | $3,673 | $10,148-63.8% | $12,864-71.4% | $7,856-53.2% |