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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 | $36,382 | $104,098-65.1% | $140,514-74.1% | $94,015-61.3% |
| Participation rate | 57.5% | 73.7%-16.2pp | 77.8%-20.3pp | 70.8%-13.3pp |
| Annual return | 20.29% | 15.14%+5.2pp | 14.36%+5.9pp | 17.84%+2.4pp |
| Employer contribution / active EE | $1,942 | $2,388-18.7% | $3,378-42.5% | $2,790-30.4% |
| Participant deferral / active EE | $3,769 | $4,033-6.6% | $4,919-23.4% | $4,249-11.3% |
| Admin fee / account holder | $302 | $10,439-97.1% | $13,697-97.8% | $8,951-96.6% |