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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 | $32,805 | $95,453-65.6% | $112,040-70.7% | $82,448-60.2% |
| Participation rate | 57.7% | 72.8%-15.1pp | 76.5%-18.8pp | 68.1%-10.4pp |
| Annual return | 53.38% | 23.92%+29.5pp | 24.52%+28.9pp | 41.64%+11.7pp |
| Employer contribution / active EE | $1,292 | $2,318-44.3% | $2,954-56.3% | $2,551-49.4% |
| Participant deferral / active EE | $2,066 | $4,224-51.1% | $5,098-59.5% | $4,139-50.1% |
| Admin fee / account holder | $18,645 | $9,013+106.9% | $12,098+54.1% | $7,234+157.7% |