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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 | $21,020 | $95,404-78.0% | $113,397-81.5% | $82,637-74.6% |
| Participation rate | 69.5% | 72.8%-3.3pp | 76.5%-7.0pp | 68.1%+1.5pp |
| Annual return | 23.49% | 19.08%+4.4pp | 23.20%+0.3pp | 53.51%-30.0pp |
| Employer contribution / active EE | $1,539 | $2,307-33.3% | $2,977-48.3% | $2,552-39.7% |
| Participant deferral / active EE | $2,022 | $4,220-52.1% | $5,076-60.2% | $4,126-51.0% |
| Admin fee / account holder | $344 | $9,168-96.2% | $11,957-97.1% | $7,339-95.3% |