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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 | $108,825-75.9% | $156,181-83.2% | $82,448-68.2% |
| Participation rate | 55.4% | 72.4%-16.9pp | 78.8%-23.4pp | 68.1%-12.6pp |
| Annual return | 14.18% | 20.59%-6.4pp | 64.87%-50.7pp | 41.64%-27.5pp |
| Employer contribution / active EE | $2,272 | $2,870-20.8% | $4,294-47.1% | $2,551-10.9% |
| Participant deferral / active EE | $4,425 | $4,577-3.3% | $6,132-27.8% | $4,139+6.9% |
| Admin fee / account holder | $6,816 | $9,341-27.0% | $14,586-53.3% | $7,234-5.8% |