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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 | $21,888 | $69,383-68.5% | $101,275-78.4% | $73,497-70.2% |
| Participation rate | 38.4% | 68.4%-30.0pp | 75.8%-37.4pp | 70.7%-32.3pp |
| Annual return | 25.30% | 18.46%+6.8pp | 46.48%-21.2pp | 28.51%-3.2pp |
| Employer contribution / active EE | $1,201 | $2,628-54.3% | $3,660-67.2% | $2,270-47.1% |
| Participant deferral / active EE | $2,403 | $3,301-27.2% | $4,371-45.0% | $3,740-35.8% |
| Admin fee / account holder | $639 | $704-9.1% | $5,948-89.2% | $513+24.6% |