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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 | $27,658 | $95,404-71.0% | $113,397-75.6% | $82,637-66.5% |
| Participation rate | 65.5% | 72.8%-7.3pp | 76.5%-11.0pp | 68.1%-2.5pp |
| Annual return | 22.93% | 19.08%+3.9pp | 23.20%-0.3pp | 53.51%-30.6pp |
| Employer contribution / active EE | $1,631 | $2,307-29.3% | $2,977-45.2% | $2,552-36.1% |
| Participant deferral / active EE | $3,934 | $4,220-6.8% | $5,076-22.5% | $4,126-4.7% |
| Admin fee / account holder | $1,784 | $9,168-80.5% | $11,957-85.1% | $7,339-75.7% |