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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 | $30,886 | $85,515-63.9% | $112,040-72.4% | $67,986-54.6% |
| Participation rate | 35.2% | 68.2%-33.0pp | 76.5%-41.3pp | 57.2%-22.0pp |
| Annual return | 17.78% | 29.68%-11.9pp | 24.52%-6.7pp | 31.67%-13.9pp |
| Employer contribution / active EE | $971 | $2,191-55.7% | $2,954-67.1% | $2,019-51.9% |
| Participant deferral / active EE | $1,791 | $4,014-55.4% | $5,098-64.9% | $3,358-46.7% |
| Admin fee / account holder | $3,756 | $3,774-0.5% | $12,098-69.0% | $3,203+17.2% |