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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 | $24,258 | $83,485-70.9% | $125,195-80.6% | $72,976-66.8% |
| Participation rate | 61.8% | 73.3%-11.5pp | 79.8%-18.0pp | 69.5%-7.7pp |
| Annual return | 26.75% | 25.77%+1.0pp | 43.79%-17.0pp | 81.02%-54.3pp |
| Employer contribution / active EE | $1,634 | $2,346-30.4% | $3,866-57.7% | $2,440-33.0% |
| Participant deferral / active EE | $3,437 | $3,586-4.2% | $4,937-30.4% | $3,608-4.7% |
| Admin fee / account holder | $1,663 | $5,518-69.9% | $9,704-82.9% | $5,124-67.5% |