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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 | $86,940-74.0% | $102,434-78.0% | $80,935-72.1% |
| Participation rate | 56.6% | 72.4%-15.8pp | 76.5%-19.9pp | 67.7%-11.0pp |
| Annual return | 35.42% | 18.89%+16.5pp | 29.46%+6.0pp | 35.66%-0.2pp |
| Employer contribution / active EE | $1,305 | $2,370-44.9% | $3,023-56.8% | $2,757-52.6% |
| Participant deferral / active EE | $2,429 | $4,121-41.1% | $5,055-51.9% | $4,299-43.5% |
| Admin fee / account holder | $2,131 | $8,047-73.5% | $9,462-77.5% | $6,924-69.2% |