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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 | $43,389 | $139,421-68.9% | $239,577-81.9% | $116,462-62.7% |
| Participation rate | 48.9% | 75.0%-26.1pp | 82.1%-33.2pp | 74.7%-25.8pp |
| Annual return | 12.52% | 15.58%-3.1pp | -0.70%+13.2pp | 15.65%-3.1pp |
| Employer contribution / active EE | $1,574 | $4,487-64.9% | $7,232-78.2% | $3,231-51.3% |
| Participant deferral / active EE | $3,030 | $4,296-29.5% | $5,676-46.6% | $3,836-21.0% |
| Admin fee / account holder | $5,658 | $21,515-73.7% | $19,315-70.7% | $12,754-55.6% |