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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 | $34,099 | $100,194-66.0% | $122,979-72.3% | $86,983-60.8% |
| Participation rate | 50.0% | 73.0%-23.0pp | 77.2%-27.2pp | 69.5%-19.5pp |
| Annual return | 21.07% | 16.47%+4.6pp | 20.12%+1.0pp | 25.83%-4.8pp |
| Employer contribution / active EE | $1,300 | $2,326-44.1% | $3,062-57.5% | $2,584-49.7% |
| Participant deferral / active EE | $3,240 | $4,133-21.6% | $5,003-35.2% | $4,194-22.7% |
| Admin fee / account holder | $1,434 | $10,148-85.9% | $12,864-88.9% | $7,856-81.7% |