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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 | $19,079 | $72,492-73.7% | $87,102-78.1% | $72,983-73.9% |
| Participation rate | 37.3% | 72.8%-35.6pp | 76.9%-39.6pp | 69.5%-32.2pp |
| Annual return | 26.00% | 24.46%+1.5pp | 28.19%-2.2pp | 81.01%-55.0pp |
| Employer contribution / active EE | $1,225 | $1,894-35.3% | $2,521-51.4% | $2,440-49.8% |
| Participant deferral / active EE | $2,677 | $3,270-18.1% | $4,048-33.9% | $3,608-25.8% |
| Admin fee / account holder | $3,350 | $5,055-33.7% | $7,491-55.3% | $5,124-34.6% |