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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 | $22,848 | $80,992-71.8% | $96,534-76.3% | $75,173-69.6% |
| Participation rate | 42.2% | 71.8%-29.6pp | 76.0%-33.8pp | 67.2%-25.0pp |
| Annual return | 17.26% | 27.05%-9.8pp | 25.88%-8.6pp | 160.72%-143.5pp |
| Employer contribution / active EE | $1,556 | $2,283-31.8% | $2,965-47.5% | $2,671-41.7% |
| Participant deferral / active EE | $3,484 | $3,929-11.3% | $4,851-28.2% | $4,126-15.6% |
| Admin fee / account holder | $1,457 | $6,717-78.3% | $8,253-82.3% | $5,651-74.2% |