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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 | $31,992 | $109,359-70.7% | $162,177-80.3% | $72,975-56.2% |
| Participation rate | 53.8% | 84.3%-30.4pp | 87.6%-33.7pp | 69.5%-15.6pp |
| Annual return | 28.44% | 25.46%+3.0pp | 115.60%-87.2pp | 81.01%-52.6pp |
| Employer contribution / active EE | $2,436 | $3,907-37.6% | $5,613-56.6% | $2,440-0.1% |
| Participant deferral / active EE | $5,699 | $5,481+4.0% | $7,297-21.9% | $3,608+58.0% |
| Admin fee / account holder | $418 | $7,972-94.8% | $10,843-96.1% | $5,124-91.8% |