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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 | $29,163 | $108,825-73.2% | $156,181-81.3% | $82,448-64.6% |
| Participation rate | 37.5% | 72.4%-34.9pp | 78.8%-41.3pp | 68.1%-30.6pp |
| Annual return | 16.54% | 20.59%-4.0pp | 64.87%-48.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $843 | $2,870-70.6% | $4,294-80.4% | $2,551-66.9% |
| Participant deferral / active EE | $2,590 | $4,577-43.4% | $6,132-57.8% | $4,139-37.4% |
| Admin fee / account holder | $2,653 | $9,341-71.6% | $14,586-81.8% | $7,234-63.3% |