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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 | $25,655 | $69,977-63.3% | $108,582-76.4% | $62,881-59.2% |
| Participation rate | 68.0% | 72.9%-4.9pp | 79.6%-11.6pp | 69.3%-1.3pp |
| Annual return | 42.83% | 10.73%+32.1pp | -51.70%+94.5pp | 20.14%+22.7pp |
| Employer contribution / active EE | $2,824 | $2,135+32.3% | $3,758-24.9% | $2,281+23.8% |
| Participant deferral / active EE | $3,643 | $3,165+15.1% | $4,311-15.5% | $3,203+13.7% |
| Admin fee / account holder | $1,704 | $5,076-66.4% | $7,645-77.7% | $4,296-60.3% |