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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 | $24,121 | $123,478-80.5% | $216,567-88.9% | $94,015-74.3% |
| Participation rate | 61.1% | 75.1%-14.0pp | 81.6%-20.5pp | 70.8%-9.7pp |
| Annual return | 17.14% | 23.61%-6.5pp | 12.94%+4.2pp | 17.84%-0.7pp |
| Employer contribution / active EE | $2,070 | $3,136-34.0% | $5,216-60.3% | $2,790-25.8% |
| Participant deferral / active EE | $2,688 | $4,556-41.0% | $6,191-56.6% | $4,249-36.7% |
| Admin fee / account holder | $2,417 | $12,753-81.0% | $21,981-89.0% | $8,951-73.0% |