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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 | $31,287 | $95,453-67.2% | $112,040-72.1% | $82,448-62.1% |
| Participation rate | 61.1% | 72.8%-11.6pp | 76.5%-15.4pp | 68.1%-7.0pp |
| Annual return | 15.17% | 23.92%-8.7pp | 24.52%-9.3pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,576 | $2,318-32.0% | $2,954-46.6% | $2,551-38.2% |
| Participant deferral / active EE | $2,757 | $4,224-34.7% | $5,098-45.9% | $4,139-33.4% |
| Admin fee / account holder | $3,436 | $9,013-61.9% | $12,098-71.6% | $7,234-52.5% |