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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 | $27,524 | $81,334-66.2% | $113,397-75.7% | $64,097-57.1% |
| Participation rate | 58.6% | 65.6%-7.0pp | 76.5%-17.9pp | 55.2%+3.4pp |
| Annual return | 18.23% | 32.50%-14.3pp | 23.20%-5.0pp | 34.64%-16.4pp |
| Employer contribution / active EE | $1,280 | $2,077-38.4% | $2,977-57.0% | $1,891-32.3% |
| Participant deferral / active EE | $2,391 | $3,795-37.0% | $5,076-52.9% | $3,080-22.4% |
| Admin fee / account holder | $1,655 | $4,208-60.7% | $11,957-86.2% | $3,454-52.1% |