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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 | $97,550-66.4% | $120,344-72.8% | $87,485-62.6% |
| Participation rate | 51.7% | 72.8%-21.1pp | 76.7%-25.0pp | 68.9%-17.2pp |
| Annual return | 18.21% | 18.41%-0.2pp | 20.30%-2.1pp | 26.06%-7.9pp |
| Employer contribution / active EE | $1,440 | $2,291-37.1% | $3,020-52.3% | $2,596-44.5% |
| Participant deferral / active EE | $3,158 | $4,230-25.3% | $5,135-38.5% | $4,274-26.1% |
| Admin fee / account holder | $4,905 | $9,543-48.6% | $12,742-61.5% | $7,775-36.9% |