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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 | $115,931-79.2% | $185,441-87.0% | $86,983-72.3% |
| Participation rate | 61.1% | 73.6%-12.5pp | 80.3%-19.2pp | 69.5%-8.4pp |
| Annual return | 17.14% | 21.47%-4.3pp | 20.16%-3.0pp | 25.83%-8.7pp |
| Employer contribution / active EE | $2,070 | $2,937-29.5% | $4,672-55.7% | $2,584-19.9% |
| Participant deferral / active EE | $2,688 | $4,551-40.9% | $6,152-56.3% | $4,194-35.9% |
| Admin fee / account holder | $2,417 | $10,687-77.4% | $17,890-86.5% | $7,856-69.2% |