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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 | $19,289 | $81,504-76.3% | $102,437-81.2% | $80,959-76.2% |
| Participation rate | 35.5% | 66.9%-31.4pp | 74.5%-39.0pp | 67.7%-32.2pp |
| Annual return | 14.70% | 25.60%-10.9pp | 24.95%-10.3pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,531 | $3,104-50.7% | $3,871-60.5% | $2,757-44.5% |
| Participant deferral / active EE | $3,397 | $3,871-12.2% | $5,060-32.9% | $4,300-21.0% |
| Admin fee / account holder | $1,784 | $6,719-73.5% | $8,388-78.7% | $6,925-74.2% |