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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 | $87,465-68.5% | $122,979-77.6% | $65,306-57.9% |
| Participation rate | 58.6% | 66.0%-7.4pp | 77.2%-18.6pp | 57.7%+0.9pp |
| Annual return | 18.23% | 19.76%-1.5pp | 20.12%-1.9pp | 21.94%-3.7pp |
| Employer contribution / active EE | $1,280 | $2,156-40.6% | $3,062-58.2% | $1,967-34.9% |
| Participant deferral / active EE | $2,391 | $3,705-35.5% | $5,003-52.2% | $2,959-19.2% |
| Admin fee / account holder | $1,655 | $5,100-67.5% | $12,864-87.1% | $3,480-52.4% |