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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 | $30,612 | $153,769-80.1% | $133,975-77.2% | $273,972-88.8% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.1%-37.1pp | 83.0%-33.0pp |
| Annual return | 5.02% | 36.51%-31.5pp | 29.29%-24.3pp | 41.46%-36.4pp |
| Employer contribution / active EE | $3,458 | $6,029-42.6% | $5,211-33.6% | $4,869-29.0% |
| Participant deferral / active EE | $4,873 | $6,958-30.0% | $6,282-22.4% | $5,287-7.8% |
| Admin fee / account holder | $2,738 | $11,765-76.7% | $9,324-70.6% | $10,133-73.0% |