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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 | $24,165 | $58,093-58.4% | $80,022-69.8% | $56,287-57.1% |
| Participation rate | 67.6% | 73.6%-6.0pp | 75.8%-8.2pp | 69.9%-2.2pp |
| Annual return | 7.64% | 34.63%-27.0pp | 11.22%-3.6pp | -9.96%+17.6pp |
| Employer contribution / active EE | $1,856 | $1,933-4.0% | $2,468-24.8% | $2,111-12.1% |
| Participant deferral / active EE | $3,706 | $3,136+18.2% | $3,686+0.6% | $3,350+10.6% |
| Admin fee / account holder | $707 | $623+13.6% | $6,521-89.2% | $521+35.8% |