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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 | $27,725 | $86,940-68.1% | $102,434-72.9% | $80,935-65.7% |
| Participation rate | 68.6% | 72.4%-3.8pp | 76.5%-7.9pp | 67.7%+0.9pp |
| Annual return | 14.62% | 18.89%-4.3pp | 29.46%-14.8pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,666 | $2,370-29.7% | $3,023-44.9% | $2,757-39.6% |
| Participant deferral / active EE | $3,294 | $4,121-20.1% | $5,055-34.8% | $4,299-23.4% |
| Admin fee / account holder | $2,202 | $8,047-72.6% | $9,462-76.7% | $6,924-68.2% |