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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 | $30,210 | $101,752-70.3% | $164,928-81.7% | $80,911-62.7% |
| Participation rate | 46.3% | 71.8%-25.5pp | 78.6%-32.3pp | 67.6%-21.3pp |
| Annual return | 12.86% | 16.73%-3.9pp | 70.08%-57.2pp | 35.63%-22.8pp |
| Employer contribution / active EE | $1,956 | $2,953-33.8% | $4,343-55.0% | $2,756-29.0% |
| Participant deferral / active EE | $3,104 | $4,477-30.7% | $6,034-48.6% | $4,297-27.8% |
| Admin fee / account holder | $4,151 | $8,218-49.5% | $12,684-67.3% | $6,935-40.1% |