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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 | $20,514 | $67,602-69.7% | $82,312-75.1% | $70,126-70.7% |
| Participation rate | 58.2% | 72.8%-14.6pp | 76.9%-18.7pp | 69.5%-11.4pp |
| Annual return | 24.79% | 21.57%+3.2pp | 25.88%-1.1pp | 73.15%-48.4pp |
| Employer contribution / active EE | $1,411 | $1,755-19.6% | $2,428-41.9% | $2,343-39.8% |
| Participant deferral / active EE | $2,932 | $2,987-1.8% | $3,706-20.9% | $3,332-12.0% |
| Admin fee / account holder | $763 | $4,512-83.1% | $5,608-86.4% | $4,645-83.6% |