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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 | $28,456 | $78,705-63.8% | $117,860-75.9% | $70,124-59.4% |
| Participation rate | 35.7% | 73.2%-37.5pp | 79.7%-44.0pp | 69.5%-33.8pp |
| Annual return | 20.05% | 23.30%-3.3pp | 335.10%-315.1pp | 73.14%-53.1pp |
| Employer contribution / active EE | $1,152 | $2,223-48.2% | $3,786-69.6% | $2,342-50.8% |
| Participant deferral / active EE | $1,957 | $3,297-40.6% | $4,482-56.3% | $3,332-41.3% |
| Admin fee / account holder | $2,012 | $5,065-60.3% | $8,021-74.9% | $4,645-56.7% |