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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 | $28,872 | $86,940-66.8% | $102,434-71.8% | $80,935-64.3% |
| Participation rate | 62.8% | 72.4%-9.6pp | 76.5%-13.7pp | 67.7%-4.9pp |
| Annual return | 22.19% | 18.89%+3.3pp | 29.46%-7.3pp | 35.66%-13.5pp |
| Employer contribution / active EE | $2,066 | $2,370-12.8% | $3,023-31.7% | $2,757-25.1% |
| Participant deferral / active EE | $3,786 | $4,121-8.1% | $5,055-25.1% | $4,299-11.9% |
| Admin fee / account holder | $1,494 | $8,047-81.4% | $9,462-84.2% | $6,924-78.4% |