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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 | $26,002 | $80,983-67.9% | $96,544-73.1% | $75,177-65.4% |
| Participation rate | 43.0% | 71.8%-28.8pp | 76.0%-32.9pp | 67.2%-24.2pp |
| Annual return | 24.43% | 27.05%-2.6pp | 25.88%-1.5pp | 160.75%-136.3pp |
| Employer contribution / active EE | $1,361 | $2,282-40.4% | $2,966-54.1% | $2,671-49.1% |
| Participant deferral / active EE | $2,326 | $3,929-40.8% | $4,851-52.1% | $4,126-43.6% |
| Admin fee / account holder | $3,255 | $6,717-51.5% | $8,254-60.6% | $5,651-42.4% |