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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 | $33,022 | $114,712-71.2% | $173,730-81.0% | $87,485-62.3% |
| Participation rate | 57.7% | 73.0%-15.3pp | 79.6%-21.9pp | 68.9%-11.2pp |
| Annual return | 14.39% | 20.18%-5.8pp | 19.96%-5.6pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,541 | $2,904-46.9% | $4,577-66.3% | $2,596-40.6% |
| Participant deferral / active EE | $2,684 | $4,642-42.2% | $6,326-57.6% | $4,274-37.2% |
| Admin fee / account holder | $432 | $10,210-95.8% | $17,523-97.5% | $7,775-94.4% |