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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 | $24,256 | $80,992-70.1% | $96,534-74.9% | $75,173-67.7% |
| Participation rate | 67.7% | 71.8%-4.0pp | 76.0%-8.2pp | 67.2%+0.5pp |
| Annual return | 14.97% | 27.05%-12.1pp | 25.88%-10.9pp | 160.72%-145.8pp |
| Employer contribution / active EE | $1,648 | $2,283-27.8% | $2,965-44.4% | $2,671-38.3% |
| Participant deferral / active EE | $2,452 | $3,929-37.6% | $4,851-49.4% | $4,126-40.6% |
| Admin fee / account holder | $1,359 | $6,717-79.8% | $8,253-83.5% | $5,651-75.9% |