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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 | $23,018 | $80,985-71.6% | $96,576-76.2% | $75,181-69.4% |
| Participation rate | 39.7% | 71.8%-32.1pp | 76.0%-36.3pp | 67.2%-27.5pp |
| Annual return | 34.91% | 27.05%+7.9pp | 25.87%+9.0pp | 160.69%-125.8pp |
| Employer contribution / active EE | $1,048 | $2,282-54.1% | $2,965-64.7% | $2,671-60.8% |
| Participant deferral / active EE | $1,836 | $3,929-53.3% | $4,851-62.2% | $4,126-55.5% |
| Admin fee / account holder | $3,908 | $6,719-41.8% | $8,253-52.6% | $5,650-30.8% |