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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 | $31,958 | $85,515-62.6% | $112,040-71.5% | $67,986-53.0% |
| Participation rate | 55.4% | 68.2%-12.8pp | 76.5%-21.1pp | 57.2%-1.8pp |
| Annual return | 36.93% | 29.68%+7.3pp | 24.52%+12.4pp | 31.67%+5.3pp |
| Employer contribution / active EE | $1,166 | $2,191-46.8% | $2,954-60.5% | $2,019-42.2% |
| Participant deferral / active EE | $2,025 | $4,014-49.5% | $5,098-60.3% | $3,358-39.7% |
| Admin fee / account holder | $3,479 | $3,774-7.8% | $12,098-71.2% | $3,203+8.6% |