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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 | $26,720 | $80,983-67.0% | $96,544-72.3% | $75,177-64.5% |
| Participation rate | 56.7% | 71.8%-15.1pp | 76.0%-19.3pp | 67.2%-10.5pp |
| Annual return | 18.53% | 27.05%-8.5pp | 25.88%-7.4pp | 160.75%-142.2pp |
| Employer contribution / active EE | $2,679 | $2,282+17.4% | $2,966-9.7% | $2,671+0.3% |
| Participant deferral / active EE | $5,471 | $3,929+39.3% | $4,851+12.8% | $4,126+32.6% |
| Admin fee / account holder | $756 | $6,717-88.7% | $8,254-90.8% | $5,651-86.6% |