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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 | $28,966 | $95,404-69.6% | $113,397-74.5% | $82,637-64.9% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.5%-6.8pp | 68.1%+1.6pp |
| Annual return | 15.94% | 19.08%-3.1pp | 23.20%-7.3pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,505 | $2,307-34.7% | $2,977-49.4% | $2,552-41.0% |
| Participant deferral / active EE | $3,355 | $4,220-20.5% | $5,076-33.9% | $4,126-18.7% |
| Admin fee / account holder | $3,071 | $9,168-66.5% | $11,957-74.3% | $7,339-58.2% |