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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 | $18,769 | $76,371-75.4% | $93,621-80.0% | $72,976-74.3% |
| Participation rate | 41.4% | 71.8%-30.4pp | 75.8%-34.5pp | 69.5%-28.1pp |
| Annual return | 28.19% | 25.82%+2.4pp | 32.76%-4.6pp | 81.02%-52.8pp |
| Employer contribution / active EE | $1,250 | $2,276-45.1% | $2,719-54.0% | $2,440-48.8% |
| Participant deferral / active EE | $2,180 | $3,538-38.4% | $4,070-46.4% | $3,608-39.6% |
| Admin fee / account holder | $1,033 | $6,839-84.9% | $7,890-86.9% | $5,124-79.8% |