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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 | $32,528 | $97,550-66.7% | $120,344-73.0% | $87,485-62.8% |
| Participation rate | 48.6% | 72.8%-24.3pp | 76.7%-28.1pp | 68.9%-20.4pp |
| Annual return | 18.72% | 18.41%+0.3pp | 20.30%-1.6pp | 26.06%-7.3pp |
| Employer contribution / active EE | $1,984 | $2,291-13.4% | $3,020-34.3% | $2,596-23.6% |
| Participant deferral / active EE | $3,061 | $4,230-27.6% | $5,135-40.4% | $4,274-28.4% |
| Admin fee / account holder | $302 | $9,543-96.8% | $12,742-97.6% | $7,775-96.1% |