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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 | $33,746 | $100,194-66.3% | $122,979-72.6% | $86,983-61.2% |
| Participation rate | 67.2% | 73.0%-5.8pp | 77.2%-10.0pp | 69.5%-2.4pp |
| Annual return | 13.33% | 16.47%-3.1pp | 20.12%-6.8pp | 25.83%-12.5pp |
| Employer contribution / active EE | $1,376 | $2,326-40.8% | $3,062-55.1% | $2,584-46.8% |
| Participant deferral / active EE | $4,514 | $4,133+9.2% | $5,003-9.8% | $4,194+7.6% |
| Admin fee / account holder | $2,612 | $10,148-74.3% | $12,864-79.7% | $7,856-66.8% |