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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 | $25,510 | $85,515-70.2% | $112,040-77.2% | $67,986-62.5% |
| Participation rate | 65.2% | 68.2%-3.0pp | 76.5%-11.2pp | 57.2%+8.0pp |
| Annual return | 18.90% | 29.68%-10.8pp | 24.52%-5.6pp | 31.67%-12.8pp |
| Employer contribution / active EE | $1,804 | $2,191-17.7% | $2,954-38.9% | $2,019-10.6% |
| Participant deferral / active EE | $3,217 | $4,014-19.9% | $5,098-36.9% | $3,358-4.2% |
| Admin fee / account holder | $11,229 | $3,774+197.6% | $12,098-7.2% | $3,203+250.5% |