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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 | $22,076 | $93,055-76.3% | $153,643-85.6% | $80,935-72.7% |
| Participation rate | 38.5% | 69.0%-30.5pp | 77.1%-38.6pp | 67.7%-29.2pp |
| Annual return | 11.86% | 19.97%-8.1pp | 15.71%-3.9pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,493 | $3,504-57.4% | $5,039-70.4% | $2,757-45.8% |
| Participant deferral / active EE | $2,034 | $5,172-60.7% | $6,754-69.9% | $4,299-52.7% |
| Admin fee / account holder | $1,923 | $8,881-78.3% | $12,739-84.9% | $6,924-72.2% |