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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 | $27,837 | $108,825-74.4% | $156,181-82.2% | $82,448-66.2% |
| Participation rate | 38.2% | 72.4%-34.2pp | 78.8%-40.6pp | 68.1%-29.9pp |
| Annual return | 14.61% | 20.59%-6.0pp | 64.87%-50.3pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,492 | $2,870-48.0% | $4,294-65.3% | $2,551-41.5% |
| Participant deferral / active EE | $2,301 | $4,577-49.7% | $6,132-62.5% | $4,139-44.4% |
| Admin fee / account holder | $2,804 | $9,341-70.0% | $14,586-80.8% | $7,234-61.2% |