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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 | $22,727 | $79,955-71.6% | $98,461-76.9% | $75,173-69.8% |
| Participation rate | 41.5% | 70.4%-28.9pp | 75.2%-33.7pp | 67.2%-25.7pp |
| Annual return | 16.69% | 19.75%-3.1pp | 21.17%-4.5pp | 160.72%-144.0pp |
| Employer contribution / active EE | $1,327 | $2,264-41.4% | $3,049-56.5% | $2,671-50.3% |
| Participant deferral / active EE | $2,348 | $3,752-37.4% | $4,738-50.4% | $4,126-43.1% |
| Admin fee / account holder | $2,119 | $6,841-69.0% | $8,961-76.4% | $5,651-62.5% |