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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 | $22,584 | $86,919-74.0% | $102,457-78.0% | $80,911-72.1% |
| Participation rate | 56.6% | 72.4%-15.8pp | 76.5%-19.9pp | 67.6%-11.0pp |
| Annual return | 35.42% | 18.90%+16.5pp | 29.41%+6.0pp | 35.63%-0.2pp |
| Employer contribution / active EE | $1,305 | $2,368-44.9% | $3,022-56.8% | $2,756-52.6% |
| Participant deferral / active EE | $2,429 | $4,119-41.0% | $5,054-51.9% | $4,297-43.5% |
| Admin fee / account holder | $2,131 | $8,049-73.5% | $9,451-77.5% | $6,935-69.3% |