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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 | $18,015 | $76,371-76.4% | $93,621-80.8% | $72,976-75.3% |
| Participation rate | 23.3% | 71.8%-48.4pp | 75.8%-52.5pp | 69.5%-46.2pp |
| Annual return | 34.04% | 25.82%+8.2pp | 32.76%+1.3pp | 81.02%-47.0pp |
| Employer contribution / active EE | $1,838 | $2,276-19.2% | $2,719-32.4% | $2,440-24.7% |
| Participant deferral / active EE | $2,063 | $3,538-41.7% | $4,070-49.3% | $3,608-42.8% |
| Admin fee / account holder | $6,108 | $6,839-10.7% | $7,890-22.6% | $5,124+19.2% |