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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 | $26,204 | $115,931-77.4% | $185,441-85.9% | $86,983-69.9% |
| Participation rate | 55.4% | 73.6%-18.2pp | 80.3%-24.8pp | 69.5%-14.1pp |
| Annual return | 14.18% | 21.47%-7.3pp | 20.16%-6.0pp | 25.83%-11.7pp |
| Employer contribution / active EE | $2,272 | $2,937-22.6% | $4,672-51.4% | $2,584-12.1% |
| Participant deferral / active EE | $4,425 | $4,551-2.8% | $6,152-28.1% | $4,194+5.5% |
| Admin fee / account holder | $6,816 | $10,687-36.2% | $17,890-61.9% | $7,856-13.2% |