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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 | $97,550-70.3% | $120,344-75.9% | $87,485-66.9% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.7%-7.0pp | 68.9%+0.8pp |
| Annual return | 15.94% | 18.41%-2.5pp | 20.30%-4.4pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,505 | $2,291-34.3% | $3,020-50.2% | $2,596-42.0% |
| Participant deferral / active EE | $3,355 | $4,230-20.7% | $5,135-34.7% | $4,274-21.5% |
| Admin fee / account holder | $3,071 | $9,543-67.8% | $12,742-75.9% | $7,775-60.5% |