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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 | $20,775 | $138,312-85.0% | $122,979-83.1% | $155,188-86.6% |
| Participation rate | 63.6% | 80.2%-16.6pp | 77.2%-13.6pp | 80.8%-17.2pp |
| Annual return | 18.20% | 22.06%-3.9pp | 20.12%-1.9pp | 148.84%-130.6pp |
| Employer contribution / active EE | $1,250 | $3,530-64.6% | $3,062-59.2% | $4,248-70.6% |
| Participant deferral / active EE | $3,180 | $5,592-43.1% | $5,003-36.4% | $6,531-51.3% |
| Admin fee / account holder | $1,051 | $15,089-93.0% | $12,864-91.8% | $14,480-92.7% |