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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 | $26,829 | $87,465-69.3% | $122,979-78.2% | $65,306-58.9% |
| Participation rate | 36.9% | 66.0%-29.1pp | 77.2%-40.3pp | 57.7%-20.8pp |
| Annual return | 31.63% | 19.76%+11.9pp | 20.12%+11.5pp | 21.94%+9.7pp |
| Employer contribution / active EE | $1,188 | $2,156-44.9% | $3,062-61.2% | $1,967-39.6% |
| Participant deferral / active EE | $2,423 | $3,705-34.6% | $5,003-51.6% | $2,959-18.1% |
| Admin fee / account holder | $2,288 | $5,100-55.1% | $12,864-82.2% | $3,480-34.3% |