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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 | $22,907 | $87,465-73.8% | $122,979-81.4% | $65,306-64.9% |
| Participation rate | 52.8% | 66.0%-13.2pp | 77.2%-24.4pp | 57.7%-4.9pp |
| Annual return | 40.69% | 19.76%+20.9pp | 20.12%+20.6pp | 21.94%+18.7pp |
| Employer contribution / active EE | $1,377 | $2,156-36.1% | $3,062-55.0% | $1,967-30.0% |
| Participant deferral / active EE | $2,281 | $3,705-38.4% | $5,003-54.4% | $2,959-22.9% |
| Admin fee / account holder | $1,996 | $5,100-60.9% | $12,864-84.5% | $3,480-42.7% |