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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 | $28,178 | $78,705-64.2% | $117,860-76.1% | $70,124-59.8% |
| Participation rate | 42.2% | 73.2%-31.0pp | 79.7%-37.5pp | 69.5%-27.4pp |
| Annual return | 16.00% | 23.30%-7.3pp | 335.10%-319.1pp | 73.14%-57.1pp |
| Employer contribution / active EE | $1,078 | $2,223-51.5% | $3,786-71.5% | $2,342-54.0% |
| Participant deferral / active EE | $1,973 | $3,297-40.2% | $4,482-56.0% | $3,332-40.8% |
| Admin fee / account holder | $5,401 | $5,065+6.6% | $8,021-32.7% | $4,645+16.3% |