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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 | $19,187 | $54,541-64.8% | $78,778-75.6% | $70,126-72.6% |
| Participation rate | 64.0% | 60.8%+3.2pp | 69.2%-5.2pp | 69.5%-5.5pp |
| Annual return | 24.84% | 21.07%+3.8pp | 35.62%-10.8pp | 73.15%-48.3pp |
| Employer contribution / active EE | $2,178 | $1,089+100.1% | $1,986+9.7% | $2,343-7.0% |
| Participant deferral / active EE | $3,239 | $2,210+46.6% | $2,958+9.5% | $3,332-2.8% |
| Admin fee / account holder | $325 | $3,709-91.2% | $5,134-93.7% | $4,645-93.0% |