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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 | $15,598 | $81,487-80.9% | $102,412-84.8% | $80,935-80.7% |
| Participation rate | 51.3% | 66.8%-15.6pp | 74.5%-23.2pp | 67.7%-16.4pp |
| Annual return | 29.96% | 25.60%+4.4pp | 24.94%+5.0pp | 35.66%-5.7pp |
| Employer contribution / active EE | $2,975 | $3,103-4.1% | $3,870-23.1% | $2,757+7.9% |
| Participant deferral / active EE | $2,409 | $3,871-37.8% | $5,060-52.4% | $4,299-44.0% |
| Admin fee / account holder | $578 | $6,717-91.4% | $8,388-93.1% | $6,924-91.7% |