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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 | $26,114 | $86,919-70.0% | $102,457-74.5% | $80,911-67.7% |
| Participation rate | 27.8% | 72.4%-44.5pp | 76.5%-48.7pp | 67.6%-39.8pp |
| Annual return | 18.96% | 18.90%+0.1pp | 29.41%-10.4pp | 35.63%-16.7pp |
| Employer contribution / active EE | $1,178 | $2,368-50.3% | $3,022-61.0% | $2,756-57.3% |
| Participant deferral / active EE | $2,651 | $4,119-35.6% | $5,054-47.5% | $4,297-38.3% |
| Admin fee / account holder | $5,561 | $8,049-30.9% | $9,451-41.2% | $6,935-19.8% |