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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 | $32,732 | $95,453-65.7% | $112,040-70.8% | $82,448-60.3% |
| Participation rate | 51.7% | 72.8%-21.0pp | 76.5%-24.8pp | 68.1%-16.3pp |
| Annual return | 18.21% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,440 | $2,318-37.9% | $2,954-51.2% | $2,551-43.5% |
| Participant deferral / active EE | $3,158 | $4,224-25.2% | $5,098-38.1% | $4,139-23.7% |
| Admin fee / account holder | $4,905 | $9,013-45.6% | $12,098-59.5% | $7,234-32.2% |