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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 | $25,551 | $67,602-62.2% | $82,312-69.0% | $70,126-63.6% |
| Participation rate | 65.0% | 72.8%-7.8pp | 76.9%-11.9pp | 69.5%-4.5pp |
| Annual return | 21.36% | 21.57%-0.2pp | 25.88%-4.5pp | 73.15%-51.8pp |
| Employer contribution / active EE | $3,582 | $1,755+104.1% | $2,428+47.5% | $2,343+52.9% |
| Participant deferral / active EE | $2,108 | $2,987-29.4% | $3,706-43.1% | $3,332-36.7% |
| Admin fee / account holder | $664 | $4,512-85.3% | $5,608-88.2% | $4,645-85.7% |