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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 | $22,132 | $86,949-74.5% | $102,460-78.4% | $80,959-72.7% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.4pp | 67.7%-13.6pp |
| Annual return | 13.14% | 18.89%-5.8pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,848 | $2,370-22.0% | $3,025-38.9% | $2,757-33.0% |
| Participant deferral / active EE | $3,023 | $4,121-26.6% | $5,056-40.2% | $4,300-29.7% |
| Admin fee / account holder | $6,788 | $8,048-15.7% | $9,460-28.2% | $6,925-2.0% |