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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 | $35,503 | $81,474-56.4% | $133,971-73.5% | $73,493-51.7% |
| Participation rate | 45.1% | 76.4%-31.3pp | 79.8%-34.7pp | 70.7%-25.6pp |
| Annual return | 14.59% | 19.40%-4.8pp | 45.09%-30.5pp | 28.51%-13.9pp |
| Employer contribution / active EE | $1,466 | $2,209-33.7% | $3,919-62.6% | $2,270-35.4% |
| Participant deferral / active EE | $2,328 | $3,786-38.5% | $5,047-53.9% | $3,740-37.7% |
| Admin fee / account holder | $1,622 | $713+127.4% | $8,929-81.8% | $513+216.1% |