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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 | $18,188 | $72,269-74.8% | $101,271-82.0% | $79,852-77.2% |
| Participation rate | 43.2% | 68.5%-25.2pp | 75.8%-32.6pp | 69.6%-26.4pp |
| Annual return | 35.36% | 22.29%+13.1pp | 46.48%-11.1pp | 31.72%+3.6pp |
| Employer contribution / active EE | $2,027 | $2,692-24.7% | $3,660-44.6% | $2,471-18.0% |
| Participant deferral / active EE | $4,799 | $3,282+46.2% | $4,371+9.8% | $3,740+28.3% |
| Admin fee / account holder | $643 | $4,401-85.4% | $5,948-89.2% | $5,306-87.9% |