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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 | $19,140 | $80,985-76.4% | $96,576-80.2% | $75,181-74.5% |
| Participation rate | 60.6% | 71.8%-11.2pp | 76.0%-15.4pp | 67.2%-6.6pp |
| Annual return | 16.51% | 27.05%-10.5pp | 25.87%-9.4pp | 160.69%-144.2pp |
| Employer contribution / active EE | $1,755 | $2,282-23.1% | $2,965-40.8% | $2,671-34.3% |
| Participant deferral / active EE | $3,998 | $3,929+1.7% | $4,851-17.6% | $4,126-3.1% |
| Admin fee / account holder | $5,999 | $6,719-10.7% | $8,253-27.3% | $5,650+6.2% |