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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 | $85,515-67.8% | $112,040-75.4% | $67,986-59.5% |
| Participation rate | 58.6% | 68.2%-9.6pp | 76.5%-17.9pp | 57.2%+1.4pp |
| Annual return | 18.23% | 29.68%-11.4pp | 24.52%-6.3pp | 31.67%-13.4pp |
| Employer contribution / active EE | $1,280 | $2,191-41.6% | $2,954-56.7% | $2,019-36.6% |
| Participant deferral / active EE | $2,391 | $4,014-40.4% | $5,098-53.1% | $3,358-28.8% |
| Admin fee / account holder | $1,655 | $3,774-56.1% | $12,098-86.3% | $3,203-48.3% |