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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 | $20,868 | $81,504-74.4% | $102,437-79.6% | $80,959-74.2% |
| Participation rate | 34.4% | 66.9%-32.5pp | 74.5%-40.1pp | 67.7%-33.3pp |
| Annual return | 14.70% | 25.60%-10.9pp | 24.95%-10.2pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,883 | $3,104-39.3% | $3,871-51.3% | $2,757-31.7% |
| Participant deferral / active EE | $2,803 | $3,871-27.6% | $5,060-44.6% | $4,300-34.8% |
| Admin fee / account holder | $3,652 | $6,719-45.6% | $8,388-56.5% | $6,925-47.3% |