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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 | $30,410 | $83,045-63.4% | $130,045-76.6% | $71,511-57.5% |
| Participation rate | 50.5% | 74.1%-23.6pp | 78.5%-28.0pp | 67.9%-17.5pp |
| Annual return | 20.20% | 20.61%-0.4pp | -137.30%+157.5pp | 28.86%-8.7pp |
| Employer contribution / active EE | $2,422 | $2,623-7.7% | $4,321-43.9% | $2,589-6.4% |
| Participant deferral / active EE | $5,192 | $4,436+17.1% | $5,820-10.8% | $4,291+21.0% |
| Admin fee / account holder | $2,050 | $1,727+18.7% | $10,600-80.7% | $1,588+29.0% |