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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 | $20,696 | $86,940-76.2% | $102,434-79.8% | $80,935-74.4% |
| Participation rate | 37.7% | 72.4%-34.7pp | 76.5%-38.8pp | 67.7%-29.9pp |
| Annual return | 11.25% | 18.89%-7.6pp | 29.46%-18.2pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,158 | $2,370-51.2% | $3,023-61.7% | $2,757-58.0% |
| Participant deferral / active EE | $2,337 | $4,121-43.3% | $5,055-53.8% | $4,299-45.6% |
| Admin fee / account holder | $5,682 | $8,047-29.4% | $9,462-39.9% | $6,924-17.9% |