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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 | $26,476 | $78,428-66.2% | $95,960-72.4% | $79,852-66.8% |
| Participation rate | 66.0% | 73.5%-7.5pp | 77.1%-11.1pp | 69.6%-3.6pp |
| Annual return | 10.87% | 19.37%-8.5pp | 91.63%-80.8pp | 31.72%-20.9pp |
| Employer contribution / active EE | $1,677 | $1,945-13.8% | $2,541-34.0% | $2,471-32.1% |
| Participant deferral / active EE | $3,147 | $3,440-8.5% | $4,167-24.5% | $3,740-15.9% |
| Admin fee / account holder | $2,107 | $5,622-62.5% | $6,797-69.0% | $5,306-60.3% |