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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 | $21,937 | $79,955-72.6% | $98,461-77.7% | $75,173-70.8% |
| Participation rate | 55.3% | 70.4%-15.1pp | 75.2%-19.9pp | 67.2%-11.9pp |
| Annual return | 15.82% | 19.75%-3.9pp | 21.17%-5.4pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,438 | $2,264-36.5% | $3,049-52.8% | $2,671-46.1% |
| Participant deferral / active EE | $2,341 | $3,752-37.6% | $4,738-50.6% | $4,126-43.3% |
| Admin fee / account holder | $6,893 | $6,841+0.8% | $8,961-23.1% | $5,651+22.0% |