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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 | $22,067 | $95,453-76.9% | $112,040-80.3% | $82,448-73.2% |
| Participation rate | 39.6% | 72.8%-33.2pp | 76.5%-36.9pp | 68.1%-28.5pp |
| Annual return | 21.20% | 23.92%-2.7pp | 24.52%-3.3pp | 41.64%-20.4pp |
| Employer contribution / active EE | $1,185 | $2,318-48.9% | $2,954-59.9% | $2,551-53.5% |
| Participant deferral / active EE | $2,295 | $4,224-45.7% | $5,098-55.0% | $4,139-44.6% |
| Admin fee / account holder | $1,595 | $9,013-82.3% | $12,098-86.8% | $7,234-78.0% |