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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 | $14,530 | $93,617-84.5% | $135,982-89.3% | $75,177-80.7% |
| Participation rate | 41.8% | 75.2%-33.4pp | 81.9%-40.1pp | 67.2%-25.4pp |
| Annual return | 18.54% | 30.89%-12.3pp | 68.32%-49.8pp | 160.75%-142.2pp |
| Employer contribution / active EE | $1,947 | $3,538-45.0% | $4,859-59.9% | $2,671-27.1% |
| Participant deferral / active EE | $3,441 | $6,406-46.3% | $7,760-55.7% | $4,126-16.6% |
| Admin fee / account holder | $3,285 | $6,980-52.9% | $10,767-69.5% | $5,651-41.9% |