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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 | $20,441 | $81,504-74.9% | $102,437-80.0% | $80,959-74.8% |
| Participation rate | 56.2% | 66.9%-10.7pp | 74.5%-18.3pp | 67.7%-11.5pp |
| Annual return | 18.60% | 25.60%-7.0pp | 24.95%-6.3pp | 35.67%-17.1pp |
| Employer contribution / active EE | $2,624 | $3,104-15.4% | $3,871-32.2% | $2,757-4.8% |
| Participant deferral / active EE | $1,845 | $3,871-52.3% | $5,060-63.5% | $4,300-57.1% |
| Admin fee / account holder | $2,792 | $6,719-58.4% | $8,388-66.7% | $6,925-59.7% |