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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 | $28,435 | $76,112-62.6% | $96,534-70.5% | $71,511-60.2% |
| Participation rate | 55.4% | 74.4%-19.0pp | 76.0%-20.6pp | 67.9%-12.6pp |
| Annual return | 22.26% | 22.81%-0.6pp | 25.88%-3.6pp | 28.86%-6.6pp |
| Employer contribution / active EE | $2,182 | $2,248-2.9% | $2,965-26.4% | $2,589-15.7% |
| Participant deferral / active EE | $3,055 | $4,217-27.5% | $4,851-37.0% | $4,291-28.8% |
| Admin fee / account holder | $2,327 | $2,708-14.1% | $8,253-71.8% | $1,588+46.5% |