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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 | $20,424 | $65,376-68.8% | $87,104-76.6% | $65,185-68.7% |
| Participation rate | 64.3% | 75.3%-11.0pp | 76.9%-12.5pp | 70.2%-5.9pp |
| Annual return | 27.57% | 31.27%-3.7pp | 28.19%-0.6pp | 29.38%-1.8pp |
| Employer contribution / active EE | $1,302 | $1,822-28.5% | $2,521-48.4% | $2,177-40.2% |
| Participant deferral / active EE | $1,975 | $3,388-41.7% | $4,048-51.2% | $3,514-43.8% |
| Admin fee / account holder | $2,022 | $520+289.1% | $7,491-73.0% | $847+138.7% |