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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 | $34,816 | $146,267-76.2% | $197,124-82.3% | $82,448-57.8% |
| Participation rate | 55.4% | 84.0%-28.6pp | 86.7%-31.3pp | 68.1%-12.6pp |
| Annual return | 44.46% | 29.61%+14.8pp | 44.34%+0.1pp | 41.64%+2.8pp |
| Employer contribution / active EE | $2,383 | $4,723-49.6% | $6,227-61.7% | $2,551-6.6% |
| Participant deferral / active EE | $3,781 | $7,035-46.3% | $9,135-58.6% | $4,139-8.7% |
| Admin fee / account holder | $1,393 | $14,422-90.3% | $16,298-91.5% | $7,234-80.7% |